Business Checking

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

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

• Free Online Banking
• Free e-Statements
• Free Bill Pay
• Itemized monthly statements
• Electronic images with free e-Statements
• Free Debit Card for all authorized signers
• Free Night Depository Service

Additional Services available for Business Checking Accounts:

• ACH Origination
• Merchant Deposit Capture
• Merchant Credit Card Services

Business Checking Account Comparison

*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.

Always Free Business Checking Account

Perfect for most businesses!

Account Features

• Minimum deposit to open: $50.00
• No monthly service charge
• 1000 free monthly transaction items. Transaction items include all debits and credits. If the Always Free Business Checking account exceeds 1,000 free monthly transactions, the account may be converted to a Commercial Checking.
• No excess Item Fee
• Free coin/currency deposits
• Unlimited coin/currency deposits
• Overdraft protection from another account available
• Overdraft Privilege limit of up to $500 available on eligible accounts*
• Electronic images free with e-Statements
• Free gift!*

*Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

Business Interest Checking Account

Designed for sole proprietorships and not-for-profits!

Account Features

• Minimum deposit to open: $50.00
• Minimum daily balance to avoid service charge: $1,500.00
• Service charge per month on daily balances below $1,500.00: $10.00
• No minimum balance required to earn interest
• 1000 free monthly transaction items. Transaction items include all debits and credits. If the Business Interest Checking account exceeds 1,000 free monthly transactions, the account may be converted to a Commercial Checking.
• No excess Item Fee
• Free coin/currency deposits
• Unlimited coin/currency deposits
• Overdraft protection from another account available
• Overdraft Privilege limit of up to $500 available on eligible accounts*
• Electronic images free with e-Statements
• FREE gift!*

*Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

Commercial Checking Account

For businesses with more complex banking needs!

Account Features

• Minimum deposit to open: $50.00
• Service charge of $15.00 per month
• Monthly transaction items are .15 each regardless of type. Transaction items include all debits and credits.
• Coin and currency deposits $0.50 per $1,000 per month
• Monthly itemized Account Analysis Statements
• Overdraft protection from another account available
• Overdraft Privilege limit of up to $500 available on eligible accounts*
• Electronic images free with e-Statements
• FREE gift!*

*Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

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

Please contact the bank at 800-342-0679 for the Commercial Fee Schedule for the analyzed cost of commercial transactions and services.

Business Money Market Account (MMA)

Earn more interest and get more features!

Account Features

• Minimum deposit to open: $50.00
• Minimum daily balance to avoid a service charge: $1,500.00
• Service charge per month on daily balances below $1,500.00: $10.00
• No minimum daily balance to earn interest
• Transfers from a MMA to another account or to third parties by preauthorized, automatic, telephone, Internet, Phone Bank, ACH debit, wire transfers, point of sale (POS), check draft or similar order are limited to six per statement cycle.
• An excess debit fee of $10.00 per item will be charged when these limits are exceeded.
• Electronic images free with e-Statements
• Overdraft protection from another account available.

Other Information

Imaged Item Fee:

You will be charged a $3.00 imaged item fee each month if you choose to receive the images of checks and deposit slips (imaged items) with your mailed monthly statement.

Business Account Fees:

Chargeback Fee $10.00
Stop Payment Fee $29.00
Overdraft Fee $29.00
Returned Item Fee $29.00
Outgoing Rolled Coin fee is $0.15 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.