Products Archive - Bank of Zachary

e-Z Small Biz

Designed for new and growing businesses, this account provides a simple and reliable way to manage everyday finances, with the flexibility to add services as your business evolves. Ideal for sole proprietors, startups, and small businesses.

Features

$100 minimum deposit required to open
No monthly service charge
No monthly minimum balance requirement
Up to 200 transactions at no charge per statement cycle*
24-Hour Telephone Banking (225-654-1516)
e-Statements included
Small Business Online & Mobile Banking
Business Debit Mastercard^® available at account opening
Optional Business Overdraft Protection
No cash deposit fees
Night depository access available at most branch locations
Digital deposit capabilities
No incoming wire transfer fees
Export account data into QuickBooks®, Quicken® or Microsoft Excel

A $100 minimum deposit is required to open an account. *A $0.25 per item charge applies to transactions exceeding 200 per statement cycle. Paper statements are available upon request for $5.00 per month. Other optional services may be available and subject to additional fees. Night depository access requires a Night Depository Agreement. Fees may apply for night depository bags and key access. Overdraft services are subject to approval and applicable fees. Debit card transactions may be subject to daily limits.

Relationship-Based Banking

Our relationship-driven approach gives you direct access to experienced bankers who understand your business and your local market. We combine local insight with personalized service to deliver responsive support and long-term financial solutions.

What You Can Expect

Dedicated banker and access to commercial lending support
Local decision-making and responsive service
Personalized guidance tailored to your business needs
Ongoing relationship reviews to support growth and evolving needs

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Specialized Accounts

We offer tailored account solutions designed to meet the unique regulatory and fiduciary needs of specialized organizations. From legal professionals to public entities, our team provides knowledgeable support and reliable account structures focused on compliance, transparency, and efficient account management.

Specialized accounts are subject to eligibility requirements and applicable laws and regulations. Documentation may be required to establish and maintain these accounts. Certain accounts, including IOLTA accounts, are administered in accordance with state-specific guidelines. Fees and terms may vary based on account type.

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Safe Deposit Box

Protect your important documents and valuables with secure safe deposit box access, available at our Main and Central branch locations. This service provides a reliable and convenient solution for safeguarding items such as legal documents, heirlooms, and other valuables.

Safe deposit boxes are available at select locations and are subject to availability. Annual rental fees apply and vary by box size. Contents of safe deposit boxes are not insured by the bank or the FDIC. Customers are responsible for obtaining their own insurance coverage, if desired. Access is subject to the terms and conditions outlined in the Safe Deposit Box Agreement.

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Wire Transfers

Move funds quickly and securely with our wire transfer services. Whether sending or receiving funds, our team ensures efficient processing to support your business operations.

Features & Benefits

Send domestic and international wire transfers
Initiate wire requests through Online Banking
Same-day processing for outgoing wires submitted before the daily cutoff time
No fee for incoming wire transfers
Secure and efficient processing

Outgoing wire transfers are subject to applicable fees. Incoming wire transfers are received at no charge. Outgoing wires submitted after the 3:00 PM cutoff time will be processed on the next business day. International wire transfers may be subject to additional fees and exchange rate variations. Security procedures, including call-back verification, may be required to process wire transactions and help mitigate fraud risk.

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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
Business Debit Mastercard^® available at account opening
No cash deposit fees*
No incoming wire transfer fees*
Access to Treasury Management and cash management solutions

Rates

Effective Date: 5/25/2026


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:

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