Business Checking Accounts

Texas Bank and Trust offers a complete line of business checking accounts to meet your financial needs.


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Commercial
Small Business
Commercial Super NOW
Non-Profit
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Best, if you need:
A business checking account at a low cost An account designed to benefit the business customer who writes few checks and has a lower monthly account activity An interest-bearing business checking account for sole proprietors and non-profit organizations that combines the advantages of tiered and variable rates of interest 1 with unlimited check-writing An account designed with unlimited check-writing
Monthly Service Charge $10.00 per monthly statement cycle, plus $0.15 per check/debit, $0.20 per deposit, $0.06 per “On Us” item deposited and $0.08 per non-TBT item deposited; less earnings credit. If service charge calculation is $0.01 to $10.00, the minimum service charge will be $10.00. $10.00 per monthly statement cycle, plus $0.20 per check/debit after 50 free per statement cycle and $0.10 per deposited item after 100 free per statement cycle. $15.00 service fee every statement cycle, if the account minimum balance falls below $1,500 on any day during the statement cycle. $5.00 service fee every statement cycle, if the account minimum balance falls below $850 on any day during the statement cycle.
Current Earnings Credit Rate
0.25%
(Calculated on Average Net Collected Balance 2 )
N/A
N/A
N/A
Minimum to Open $100 $100 $100 $100
TBT VISA® checkcard $1.50/statement cycle (monthly) plus $1.00 for each additional card $1.50/statement cycle (monthly) plus $1.00 for each additional card No fee
$1.50/statement cycle (monthly) plus $1.00 for each additional card
Checks Variety of check styles and prices
Variety of check styles and prices
Variety of check styles and prices
Variety of check styles and prices
Earns Interest: No No Yes – View Rates
Variable rate 1 with five tiered interest levels:
$0 to $49,999.99
$50,000 to
$99,999.99
$100,000 to $249,999.99
$250,000 to $499,999.99
$500,000 and
above
No
TBTmyWay
(Online Banking)
No fee No fee No fee No fee
myPay
(Online Bill Payment)
$10 monthly and $0.50 per item
No fee
No fee
Optional – No fee for first 90 days. $1 per month for up to 3 payments; $0.35 per item after. Fees are charged on the last day of the month.
Statements Option of no fee monthly eSTATEMENTS or paper statements with images
Option of no fee monthly eSTATEMENTS or paper statements with images Option of no fee monthly eSTATEMENTS or paper statements without images. Copies of images $2.00 per monthly statement cycle. Option of no fee monthly eSTATEMENTS or paper statements with images
Additional Benefits No fee 24-Hour ExpressPhone Banking

After hours night
depository available

Qualifies for VISA/Mastercard Merchant Account Services
No fee 24-Hour ExpressPhone Banking

After hours night
depository available

Qualifies for VISA/Mastercard Merchant Account Services
No fee 24-Hour ExpressPhone Banking

After hours night
depository available

Qualifies for VISA/Mastercard Merchant Account Services
No fee24-Hour ExpressPhone Banking

After hours night
depository available

Qualifies for VISA/Mastercard Merchant Account Services
Check-writing or Withdrawals per Month Unlimited withdrawals; Per check fee of $0.15 per check 50 checks per statement cycle (monthly) at no charge; fee for checks over 50 is $0.20 per check Unlimited
Unlimited
Details to Know
N/A N/A
Service Charge based on minimum ledger balance

Limited to sole proprietorships and non-profit organizations
Service Charge based on minimum ledger balance

Limited to non-profit organizations
Rate Details N/A N/A Tiered and variable rate of interest 1 may change after account opening.

Higher rates of variable interest 1 on higher balances with five-tiered interest levels:
$0 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $499,999
$500,000 and above
N/A
Other Possible Fees View Fees View Fees View Fees View Fees
FDIC Insured
Yes
Yes
Yes
Yes

1 Variable Rates. May change after account opening, and subject to change without notice.

2 The "Average Net Collected Balance" is the Average Collected Balance less 10.00% reserve requirement