Telephone Banking

When you want a quick update on where your business accounts stand, you can access up-to-date information by simply calling 225-654-1516 and following the prompts.

Business Overdraft

Eliminate the worry of accidentally overdrawing your business checking account. By safeguarding your account with overdraft protection, you will ensure a line of credit is in place to cover discrepancies. Coverage costs nothing unless you use it, but the peace of mind it provides is invaluable.

Business Debit MasterCard®

Effectively manage business expenses with a payment solution that puts even more convenience in your pocket. All debit card transactions are itemized in your monthly checking statements, so there's no need to hang onto cash receipts or manage a petty cash fund. For each purchase made, you will have a record of the merchant name, the purchase date, and the amount spent.

Business Certificates of Deposit (CDs)

Features
  • Competitive rates
  • $2,500 minimum balance to open and obtain APY
  • No monthly service charge
  • Terms from 30 days to 60 months
  • Automatic renewals
  • FDIC insured, up to the allowable limits
Rates

Effective Date: 9/19/2024

Business Certificates of Deposit (Rate Table)
TermInterest RateAPY*Minimum To OpenMinimum To Obtain APY
30 Days1.95%1.97%$2,500$2,500
90 Days2.55%2.57%$2,500$2,500
5 Months**4.93%5.00%$2,500$2,500
6 Months3.15%3.17%$2,500$2,500
12 Months4.05%4.11%$2,500$2,500
18 Months3.65%3.70%$2,500$2,500
2 Years3.70%3.75%$2,500$2,500
3 Years3.00%3.03%$2,500$2,500
4 Years3.05%3.09%$2,500$2,500
5 Years3.10%3.14%$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.
**The 5 Month CD automatically renews as a 6 Month Certificate of Deposit.

Business Savings

This account is a go-to savings option for all types of businesses. With just a $100 minimum balance you can open and avoid the service charge - all while earning interest.

Features
  • Interest is calculated daily on the collected balance and added to the account at the end of each quarter
  • FREE Business Online Banking
  • FREE Mobile Banking
  • Statements without electronic items are mailed quarterly
  • You are allowed 6 withdrawals per quarter at no charge
  • FREE 24-Hour Telephone Banking (654-1516)
  • Optional e-Statements
  • Fees may reduce earnings on the account
  • Rates may change after the account is opened
Rates

Effective Date: 9/19/2024

Business Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.65%0.65%$100$100

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

No service charge if account balance remains above $100 during the quarterly statement period. $5 service charge is charged only if the balance falls below $100 during the quarterly statement period. You are allowed 6 withdrawals per quarter at no charge. There will be a fee of $5 for each thereafter. $0.30 fee will be charged for each item deposited in excess of 20. $100 is required to open the account. 

Business Acquisition Lending

The lending staff at Bank of Zachary has the knowledge and expertise to assist with financing even the most complex business transactions, whether it be the complete acquisition of an existing business, the buy-out of an existing partner, or financing the transition from one generation to the next.

Mobile Deposit

Now you can deposit checks in a flash! All you need is a camera-equipped smartphone or tablet and the Bank of Zachary Mobile Banking App.

Learn More

Simply point, snap, and submit!

  1. In the mobile app, select "Check Deposit" from the account menu. Then select "Deposit Check".
  2. Endorse the back of the check with the following four items: For Mobile Deposit only, Account # (last four digits), Current Date, and Signature.
  3. Click the front and back icons to take a picture of the front and back of your endorsed check.
  4. Enter the amount of the check, select the account, enter an email address to receive alerts regarding your deposit, and then click submit.

You will receive an alert when the check has been received and whether it's been approved or denied. It's that easy!

Text Concierge

Text Concierge makes banking more convenient than ever. Get updates about your local branch like closings and important events, or text a banker with any questions or concerns! You'll get a text back in minutes. It's that easy!

How to Enroll
Simply text "enroll info" to
1-833-558-1130

Text Message (SMS)

Check your account balances and view recent transactions using text messaging. Register your mobile phone via the administration tab within online banking to receive real time account information on your checking, savings, and money market accounts.

Mobile Wallet

With Mobile Wallet, paying on the go is as simple as tapping your phone. Add your Bank of Zachary Debit Card to Apple Pay® or Samsung Pay and enjoy the convenience of making secure purchases with your mobile device.

Apple Pay® – Apple®, the Apple logo®, iPhone®, Apple Pay, Touch ID®, Apple Watch® and iPad Air® are trademarks of Apple Inc., registered in the U.S. and other countries. iPad miniTM is a trademark of Apple Inc. Apple Pay is available in the U.S.

Samsung Pay™ – Only compatible with selected carriers and Samsung™ devices. Samsung, Samsung Pay, Galaxy S® (and other device names) and Samsung Knox™ are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their own respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

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