Is sufficient and the account activity volume is met for its Commercial Checking account. Investable balance is calculated by using the average balance less uncollected funds, less reserve requirement and a premium assessment factor. You can maintain a higher balance and have many transactions: It waives the monthly service fees as well as other transaction fees, if the investable balance.You have low or average monthly transactions: Opening a Biz Rite Checking provides up to 250 free monthly transactions and up to $3,000 in free cash deposits.You’re a small business owner or nonprofit that wants to save on monthly fees: Small businesses, clubs, and nonprofits can open a Biz Rite Checking account, which does not charge a monthly service fee.