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Enhanced Online Banking

Online banking provides our customers with a secure, convenient and easy way to access their accounts 24 hours a day/7 days a week. From the comfort of your home or wherever you can gain internet access, our online banking will be there for you. There is no sign up fee and no monthly service charges.

Features
  • View & print transaction histories and current balances
  • Transfer funds between statement accounts
  • Verify your direct deposit
  • Order checks
  • View & print paid cancelled checks
  • Place stop payments on checks
  • View Certificate of Deposit maturity dates and your current CD interest rate
  • View & print information regarding your mortgage or loan
  • Receive e-mail notifications & alerts
  • Access all capabilities via any mobile enabled device

Enhanced ACH

As you seek greater control over your payments, our ACH solutions put you in charge. With these solutions, you can increase accuracy through electronic payments and access funds with greater speed and visibility through a full range of options for your business and consumer payments.

Direct Deposit for Payroll

Why spend precious time going to the bank? Direct deposit is the easy, worry-free way to have electronic deposits – like paychecks or Social Security payments – deposited automatically into your U.S. Bank checking or savings account. Deposits are made electronically, so you never have to worry about losing a paycheck or going to the bank.

Direct Debits

Optimize convenience for customers - while saving your business time and money - by collecting recurring payments from customers electronically. Whether you need to collect membership dues, fees, rent, or charitable contributions, this service is designed to improve operating efficiencies.

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Night Depository

Securely make business deposits on your schedule with our Night Depository service, available at most Bank of Zachary locations. Designed for after-hours convenience, this service allows you to safely submit deposits outside of regular banking hours.

Features & Benefits
  • Convenient after-hours deposit access 
  • Secure drop locations at participating branch offices 
  • Ideal for businesses with late operating hours or high cash activity

Night Depository access is available at all Bank of Zachary locations except the St. Francisville branch. Access requires a Night Depository Agreement. Deposits made through the Night Depository are processed on the next business day. Fees may apply for night depository bags and key access. Please refer to the Business Deposit Account Terms and Fee Schedule for complete details.

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Coin & Currency

Telephone Banking is available 24 hours a day, 7 days a week. Information provided reflects the most recent available account data and may not include pending transactions. Please refer to your account agreement for complete details.

Coin and currency services are available to business customers and may be subject to availability. Fees may apply based on order volume and account type. Advance notice may be required for large orders.

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Telephone Banking

Access your business account information anytime with our 24-Hour Telephone Banking service. Simply call 225-654-1516 and follow the prompts to review balances, recent transactions, and other account details.

Telephone Banking is available 24 hours a day, 7 days a week. Information provided reflects the most recent available account data and may not include pending transactions. Please refer to your account agreement for complete details.

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Business Overdraft

Help protect your business checking account from unexpected shortfalls with an available overdraft protection option. This service can provide a line of credit or linked account transfer to help cover transactions when funds are insufficient. Overdraft protection may help reduce the risk of returned items or declined transactions, giving you added confidence in managing your day-to-day cash flow.

Overdraft protection options may include transfers from a linked account or an overdraft line of credit. Lines of credit are subject to credit approval and eligibility requirements. Fees and/or interest may apply depending on the type of service used. Overdraft protection does not guarantee that all transactions will be paid. Please refer to the applicable account agreements and fee schedule for complete details.

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Business Debit MasterCard®

Manage your business expenses with a convenient payment solution designed to simplify everyday transactions. Purchases made with your Business Debit Mastercard® are reflected on your monthly account statement, helping you track spending without the need to manage paper receipts or petty cash.

Features & Benefits
  • Convenient transaction tracking through your account statements
  • Use for purchases online and in person
  • Accepted worldwide wherever Mastercard® is accepted
  • Access to Mastercard® business-related benefits and services
  • ScoreCard® Rewards program (if enrolled)
  • Mastercard® Guide to Benefits available for review

Your use of the Business Debit Mastercard® is subject to the terms and conditions outlined in the Debit Card Agreement. Daily debit card limits may apply. Transaction details are available through your account statement and online banking. Mastercard® benefits, including the Guide to Benefits and any reward programs, are subject to change and may require enrollment. Fees may apply for certain transactions. Please refer to the applicable account disclosures and fee schedule for complete details.

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Business Certificates of Deposit (CDs)

A secure way to grow your business savings with a fixed interest rate over a defined term.

Features
  • Competitive, fixed interest rates
  • $2500 minimum deposit required to open
  • No monthly service charge
  • Flexible terms ranging from 90 days to 60 months
  • Automatic renewal at maturity
  • FDIC insured up to the maximum allowable limits
Rates

Effective Date: 5/25/2026

Business Certificates of Deposit (Rate Table)
TermInterest RateAPY*Minimum To OpenMinimum To Obtain APY
90 Days1.74%1.75%$2,500$2,500
6 Months3.47%3.50%$2,500$2,500
12 Months3.21%3.25%$2,500$2,500
18 Months2.67%2.70%$2,500$2,500
2 Years2.53%2.55%$2,500$2,500
3 Years2.28%2.30%$2,500$2,500
5 Years2.23%2.25%$2,500$2,500

*APY = Annual Percentage Yield.
Note: These rates may change at any time without prior notice.
For CDs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
These CDs automatically renew.

A penalty may be imposed for early withdrawal and may reduce earnings on the account. Interest rates and Annual Percentage Yield (APY) are fixed for the term of the certificate and will be disclosed at account opening. At maturity, the account will automatically renew for the same term at the rate in effect at that time unless otherwise directed. A 10-day grace period following the maturity date allows for changes to be made, including withdrawals without penalty, deposits of additional funds, term changes, or other modifications. FDIC insurance coverage is subject to applicable limits.

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