Any type of financial account that is owned and used by a business or corporation. Commerical account usually refers to a checking or other type of demand deposit account. Regulation Q of the Federal Reserve prohibits banks from paying interest on this type of account. They instead pay earnings credits that are based upon the average account balance.

Investopedia Says:
Commerical accounts usually have higher monthly service charges and other related fees than retail accounts. Many firms also hold regular interest-bearing savings accounts, which do pay regular interest. Most states also allow sole proprietors to open negotiable order of withdrawal (NOW) checking accounts that also pay regular interest.

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