BAC Business Time Deposit

A Time Deposit that gives businesses the opportunity to earn a competitive interest rate on their cash reserves for a fixed term and a fixed rate of return.

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  • Interest rate is fixed for the term of the time deposit.
  • Interest may be received in the form of a check, transfer to a transaction account or re-deposited to the time deposit at renewal.
  • Deposits are allowed only at maturity and during grace period.
  • Internet banking only if combined with a business checking account.
  • Minimum to open $5,000


  • We will only charge a penalty if you make a withdrawal before the CD matures. For all CDs, the early withdrawal penalty equals 90 days' interest.

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Helpful Information

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.