Texas Bank and Trust VISA® Business Cards

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VISA® Business VISA® Business checkcard VISA® PayCard
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Benefits
Cardholder Inquiry Service*

Lost or Stolen Card Reporting*

Emergency Card Replacement*

Auto Rental Collision Damage Waiver*

Zero Liability*

Roadside Dispatch*

Travel Accident Insurance*

Scorecard Bonus Points

See Terms & Conditions and Cardholder Agreement
Lower credit card interest rates for TBT VISA® Business checkcard holders who apply and are approved for one of our TBT VISA® Credit Cards

A convenient alternative to writing checks

Access to over 55,000 surcharge-free Allpoint ATMs

Eligible for Overdraft Privilege**
Benefits to employer and employee

Cards funded with existing direct deposit system

Reduced cost and risk of lost checks and check fraud

Convenient and flexible access to funds

Eliminates expensive check cashing fees
Annual fee
None
None
None
APR for purchases
N/A N/A
APR for balance transfers
12.60% N/A N/A
APR for cash advances
12.60% N/A N/A
Penalty APR & when it applies
None
N/A N/A
Convenience Verified by VISA logo.
Easily pay online with VISA checkout at your favorite stores with a single sign in.
Additional Security Verified by VISA logo.
Know where your money is going.
Get a text or email whenever you pay with your Texas Bank and Trust VISA card.
Activate
Verified by VISA logo.

To activate your card, click the "Verified by VISA®" logo and follow the prompts.***
More Information View Terms & Conditions and Cardholder Agreement Learn More Learn More

Effective and accurate as of 4.7.17. Subject to change after this date. For any changes after the effective date, please call us at 1-800-263-7013.

*Cardholder Inquiry Service, Lost or Stolen Card Reporting, Emergency Card Replacement, Auto Rental Collision Damage Waiver, Zero Liability, Roadside Dispatch, and Travel Accident Insurance are not products/deposits of the bank, not guaranteed by the bank, not FDIC insured, and not insured by any Federal governmental agency. They are subject to policy eligibility, terms, and exclusions.

**TEXAS BANK AND TRUST will charge a paid/return item fee of $30 for each item that overdraws an account. This fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, point-of-sale ("POS") transaction, or other electronic means.Texas Bank and Trust is not obligated to pay any item initiated for payment against your account if your account does not contain sufficient collected funds. The amount of any overdrafts including our fees that you owe the bank shall be due and payable immediately. Whether your overdrafts will be paid or not is discretionary and Texas Bank and Trust reserves the right not to pay. For example, Texas Bank and Trust typically does not pay overdrafts if your account is not in good standing, regular deposits are not being made to your account, or there are excessive overdrafts on your account.

***VERIFIED BY VISA®: Verified by VISA® is a unique service that uses personal passwords to help protect VISA® card members against the unauthorized use of their card numbers over the Internet. Once you activate your card through Verified by VISA®, no one else can use your card number at any participating online store without your personal password. VISA® always protects its cardholders against unauthorized use, but Verified by VISA® helps to prevent unauthorized use online before it can even happen.

Merchant Services

Consumers today are using credit cards more than ever to make purchases. The ability to accept credit cards can play an important role in increasing your sales revenue. Texas Bank and Trust is pleased to offer Merchant Bankcard Processing for your business. For additional information, click here , call (903) 237-1858 or send us a secure email . We also offer free 24/7 customer service and online access to your Merchant Services Account so that you can research account activity at your convenience.

General Trade Area Policy Statement

The primary economic trade area of Texas Bank and Trust Company is defined as those areas within a 25-mile radius of each lending office. Prime consideration will be given to existing or potential customers with economic interest in those areas, although consideration will be given to customers residing outside those areas.