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.
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.
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.
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.
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.
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.
Effective Date: 5/16/2026
| 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.
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.
Financing is available for small businesses and small business owners on equipment and vehicles with a fast, local decision and competitive rates and terms.
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.
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.
For further details and download information:
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.
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