Online Banking

Commercial Checking

TrustTexas Bank is your partner in Commercial Banking. We will help you find the Commercial Checking Account that fits your needs and your business.

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All of TrustTexas Bank’s Commercial Checking Accounts include these benefits:

Additional Services available for Commercial Checking Accounts:

Commercial Checking Account Comparison

Accounts

Business Premier NOW

Business Classic

Business Analysis

Minimum to Open

$50.00

$50.00

$50.00

Minimum Balance (to avoid a minimum balance fee)

$2,500.00
Minimum Average Daily Balance

N/A

$2,500.00
Minimum Average Daily Balance

Monthly Minimum Balance Fee

$10.00 if Average Daily Balance falls below $2,500.00

$0.00

$10.00 if Average Daily Balance falls below $2,500.00

Monthly Maintenance Fee

$0.00

$5.00

$0.00

Excess Item Fee

$0.20 per item for all items posted in excess of 300 during the monthly statement cycle

$0.20 per item for all items posted in excess of 500 during the monthly statement cycle

Account subject to Account Analysis Fees based on account activity, average collected balances and earnings rate factors.

Restrictions

Partnerships, For Profit Corporations, and Limited Liability Companies ARE NOT eligible for this account

None

None

Interest Bearing

$500.00 Minimum Daily Balance to Earn Interest

Non-interest bearing

Non-interest bearing

 Overdraft Privilege*

Overdraft Privilege limits of up to $500 available on eligible accounts*  

Overdraft Privilege limits of up to $500 available on eligible accounts*  

Overdraft Privilege limits of up to $500 available on eligible accounts*  

The average daily balance is determined by adding the full amount of principal in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

*When Overdraft Privilege is used, the Overdraft Fee of $29 will be imposed for each overdraft item created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. The $29 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. An overdrawn balance must be repaid within thirty-two (32) consecutive calendar days. We may not pay items under your Overdraft Privilege if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) consecutive calendar days for a minimum of one business day. For more information, please click here.

Business Premier NOW

An interest bearing commercial account available for sole proprietorships (unincorporated business) or non-profit organizations. This account is designed for the smaller businesses and rewards the customers maintaining higher balances.

Account Features

  • Minimum initial balance to open: $50.00
  • Minimum average daily balance to avoid minimum balance fee: $2,500.00
  • Minimum balance fee per month on average daily balances below $2,500.00: $10.00
  • There will be an excess item fee of $0.20 per item for all items posted in excess of 300 during the monthly statement cycle. These items include ACH transactions, Debits/Checks, On-Us Checks deposited, and Transit Checks deposited.
  • Minimum daily balance to earn interest: $500.00
  • ELIGIBILITY - Partnerships, For Profit Corporations, and Limited Liability Companies ARE NOT eligible for this account.
  • Overdraft Privilege limits of up to $500 available on eligible accounts*

Business Classic

A non-interest bearing account available to all business types.

Account Features

  • Minimum initial balance to open: $50.00
  • Monthly maintenance fee: $5.00
  • There will be an excess item fee of $.20 per item for all items posted in excess of 500 during the monthly statement cycle. These items include ACH transactions, Debits/Checks, On-Us Checks deposited, and Transit Checks deposited.
  • Overdraft Privilege limits of up to $500 available on eligible accounts*

Business Analysis

A non-interest bearing account for corporations and other businesses with higher volume transactions and requirements. This account is designed to reward the customer who keeps higher balances to offset the services used.

Account Features

  • Minimum initial balance to open: $50.00
  • Minimum average daily balance to avoid a minimum balance fee: $2,500
  • Minimum balance fee per month on average daily balances below $2,500.00: $10.00
  • Monthly Itemized Account Analysis Statements
  • Overdraft Privilege limits of up to $500 available on eligible accounts*

Account subject to Account Analysis Fees based on account activity, average collected balances and earnings rate factors.

Please see the Commercial Fee Schedule for the analyzed cost of commercial transactions and services.

Business Account Fees:

Chargeback Fee $3.00
Stop Payment Fee $29.00
Overdraft Fee $29.00
Returned Item Fee $29.00
Outgoing Rolled Coin fee is $0.10 per roll.
Outgoing Currency Strap fee is $0.25 per strap.

For Current Rates, Fee Schedules, and more information, please call TrustTexas Bank at 1-800-342-0679.

Your interest rate and annual percentage yield ("A.P.Y.") may change in accordance with the terms of the particular type of account. At our discretion, we may change the rate of interest on your account at any time without prior notification.

*When Overdraft Privilege is used, the Overdraft Fee of $29 will be imposed for each overdraft item created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. The $29 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. An overdrawn balance must be repaid within thirty-two (32) consecutive calendar days. We may not pay items under your Overdraft Privilege if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) consecutive calendar days for a minimum of one business day. For more information, please click here.

 

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