Products Archive - Bank of Zachary

e-Z Commercial Money Market

Our Commercial Money Market account is designed for businesses that want to earn a competitive rate of interest on excess funds while maintaining limited access to liquidity. By maintaining higher balances, your business can take advantage of tiered interest rates and help optimize earnings on operating reserves.

Features

$1,500 minimum deposit required to open and earn interest
Avoid a $15 monthly service charge by maintaining a minimum daily balance of $1,500 during the statement cycle
Interest is calculated using tiers based on daily collected balances and credited monthly
Unlimited deposits
24-Hour Telephone Banking (225-654-1516)
Unlimited cash withdrawals in person or at a Bank of Zachary ATM*
Certain transfers and withdrawals over six (6) per statement cycle are subject to a fee**
e-Statements included
Business Online & Mobile Banking with optional additional user access (hyperlink – directs to Business Online Banking Page)
Business Debit Mastercard^® available at account opening (Hyperlink – directs to the Business Services page)
No cash deposit fees*
No incoming wire transfer fees*
Access to Treasury Management and cash management solutions

Rates

Effective Date: 4/4/2026


Tiers	Daily Collected Balance	Interest Rate	APY*
Tier 1	$1,500.00 - $24,999.99	0.25%	0.25%
Tier 2	$25,000 - $99,999.99	0.85%	0.85%
Tier 3	$100,000 - $249,999.99	1.50%	1.51%
Tier 4	$250,000 - $499,999.99	1.75%	1.76%
Tier 5	$500,000 +	2.25%	2.27%

*APY – Annual Percentage Yield

Interest is calculated on the daily collected balance and paid on the entire balance based on the applicable tier. Interest is compounded and credited monthly. The interest rate and Annual Percentage Yield (APY) for each tier may change at any time. Fees may reduce earnings on these accounts.

A $1,500 minimum deposit is required to open and earn interest. A $15 monthly service charge will be assessed if the account balance falls below $1,500 during any of the statement cycle.

**Certain transfers and withdrawals, including checks, debit card transactions, and preauthorized or electronic transfers (including online and telephone transfers), are limited to six (6) per statement cycle. A $10 fee will apply for each transaction exceeding this limit. *In-person and ATM withdrawals do not count toward this limit.

Interest rates are variable and subject to change at any time after the account is opened. *Fees may reduce earnings and are subject to change.

Lines of Credit

Bank of Zachary offers short-term financing for businesses with seasonable operations or rapid growth. Working capital lines of credit may be secured by real estate, accounts receivable, inventory, or other assets pledged by the business or business owner.

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Equipment & Vehicle Financing

Financing is available for small businesses and small business owners on equipment and vehicles with a fast, local decision and competitive rates and terms.

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Telephone Banking

Telephone Banking is a quick and an easy way to manage your money, 24 hours a day. Call 654-1516 anytime to check account balances, see which checks have been paid, and transfer funds between your Bank of Zachary checking and savings accounts.

How to Enroll
Call our Account Services department at
225-654-5647 to enroll today.

SecurLOCK Equip App

Protecting your family from fraudulent transactions just got easier with SecurLOCK Equip! This free mobile app lets you control when, where, and how your debit card is used right from your smartphone.

Features

Easily turn your card off or on
Set transaction spending limits
Get real time alerts on spending
Set location-based controls
View recent transactions and receive real-time alerts

For further details and download information:

click here

Scorecard Rewards

Simply shop, swipe, and redeem! With Bank of Zachary's Scorecard Rewards program, you can earn valuable points for every purchase you make using your ATM/MasterCard Debit Card.

Features

More than 1,600 items available
Top brand names like Apple^®, Dyson and Sony^®
All items are shipped for free
Redeem reward points online 24/7

Redeem Your Points

Safe Deposit Boxes

Have peace of mind with a safe deposit box at Bank of Zachary.

Box Sizes

Effective Date: 4/4/2026

Safe Deposit Boxes (Rate Table)
Box	Annual Fee
3 x 5	$25
5 x 5	$30
3 x 10	$45
5 x 10	$55
10 x 10	$95

Check Availability

A limited number of Safe Deposit Boxes are available at our Main Office and our Central Office. Please give us a call or stop by either branch to check availability

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Overdraft Services

Forget to record a deposit or withdrawal? Overdrafts happen, but you do have options. Bank of Zachary offers many services to help avoid overdrafts or declined transactions.

Overdraft Protection

Connect your Bank of Zachary accounts together to protect against those unexpected situations. Funds will be transferred from your designated Bank of Zachary account in $100.00 increments. These transfers occur when your account becomes overdrawn from writing a check, ATM withdrawals, or any other type of payment authorizations. Each transfer incurs a fee of $7.50.

Overdraft Privilege

If your account has insufficient available funds and you attempt to make a purchase, Overdraft Privilege may cover that transaction and related fees up to your Overdraft Privilege limit. Overdraft privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fee.

Gift Card

The perfect gift for any occasion! A Bank of Zachary Gift Card can be used anywhere the VISA® logo is displayed, no matter the state or country.

Features

Get cash at any ATM that displays the VISA^® logo
Buy food, clothes, or anything else at your favorite stores or restaurants
Get cash back with transactions using your (PIN) Personal Identification Number
Pump your gas & pay the attendant with your card
Use the Gift Card in place of Travelers Checks
Shop on the internet
Card may be loaded up to a maximum value of $500
Check your account balance and view account activity online or via phone

Fees

There is a one-time fee of $5 to purchase a card. You are subject to fees when using the telephone options to manage your account as well as a $2 convenience fee when using an ATM that does not belong to Bank of Zachary. Avoid additional fees by using the managing your account over the internet and by using the cash back option when you are not near a Bank of Zachary ATM.

How to Purchase a Gift Card
Please visit any of our convenient locations and a Bank of Zachary teller will be happy to help you purchase a Gift Card.

Dolphin ATM Network

With the Dolphin ATM Network, you have access to more than 1,700 ATMs throughout the country. If you’re traveling out of town for work, heading off to college, or are on the other side of town and need cash fast, you can use one of our network ATMs, surcharge-free. Get the cash you need, when you need it.

Use of non-bank ATMs or ATMs outside of the Dolphin Network may result in Out of Network surcharges by Bank of Zachary and/or by the ATM operator.

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