person paying with their debit or credit card

TBT VISA® Business Cards

Compare Our Business Cards

Benefits VISA® Business
VISA® Business checkcard
VISA® PayCard
Cardholder Inquiry Service*
X - -
Lost or Stolen Card Reporting*
X - -
Emergency Card Replacement*
X - -
Auto Rental Collision Damage Waiver*
X - -
Zero Liability*
X - -
Roadside Dispatch*
X - -
Travel Accident Insurance*
X - -
Scorecard Bonus Points
X - -
A convenient alternative to writing checks - X -
Access to over 55,000 surcharge-free Allpoint ATMs
- X -
Eligible for Standard Overdraft** - X
Benefits to employer and employee
- - X
Cards funded with existing direct deposit system
- - X
Reduced cost and risk of lost checks and check fraud
- - X
Convenient and flexible access to funds
- - X
Eliminates expensive check cashing fees - - X

Fees VISA® Business VISA® Business Check Card VISA® PayCard
Annual Fee
None None None
APR for purchase
12.60% N/A N/A
APR for balance transfers 12.60% N/A N/A
APR for for cash advances
12.60% N/A N/A
Penalty APR & when it applies
None N/A N/A

More Details

Easily pay online with VISA® checkout at your favorite stores with a single sign in.
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Additional Security
Know where your money is going. Get a text or email whenever you pay with your Texas Bank and Trust VISA® card.
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Subject to credit approval.
For customer service during business hours, please call 903-252-3180.
Effective and accurate as of 08.01.2022. 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.
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.