Managing Your Money

Commercial Analysis Account

Summary of service

Commercial Analysis aggregates your company's deposit accounts into a single relationship, with all facets of the accounts working together for your benefit. In addition to gaining greater control and oversight, you accrue earnings credits on your combined balances that can offset some or all service charges.

Essentials to know

  • Balances in your Analysis Business Checking and Business Checking with Interest accounts will continue to be combined to calculate your earnings credit.
  • Analysis Business Checking and Business Checking with Interest accounts were converted successfully to Commercial Analysis accounts, and total service charges for July have been waived.
  • The billing date is now the fifth business day of the month for the prior month. In addition, deficits or excess credit will carry forward for non-standard analysis cycles to provide more accurate billing.
  • You'll have access to 13 past cycle statements in Commercial Advantage, and requests can be made for up to 7 years of history.
  • The Analysis eStatement entitlement will be provisioned for administrators only. Administrators must enable this entitlement for any additional users requiring this access. For assistance, refer to our User Management Quick Reference Guide (PDF).

FAQ
People often ask us

Your account will be debited on the fifth business day of the month for the prior month.

Only administrators for each account will be given permission to view analysis statements. Administrators must entitle users with permission to view. For assistance, refer to our User Management Quick Reference Guide (PDF).

You'll have access to 13 cycles of information in Commercial Advantage, and historical records can be requested up to 7 years. However, there may be a fee involved.

When reviewing the summary page of your analysis statement, you'll see the unit prices. However, in the very last section, you'll see that your total service charges due are $0.

Appropriate Earnings Credit Rate, pricing and account groupings will be established in August and will be reflected on August analysis statements. July analysis statements don't reflect this information.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941