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Business Checking and Savings

At CommunityBank of Texas, you’ll find a checking account that's right for your business's financial transaction needs.

Small Business Checking1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Fee N/A
Minimum Balance to Earn Interest N/A
Overdraft Privilege Limit3 $1,000
Miscellaneous Cash deposit:
$1 per $1,000 cash
handling fee after first
$3,000 per day.

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Business Checking Account Analysis1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Fee $12.50
Minimum Balance to Earn Interest N/A
Overdraft Privilege Limit3 N/A
Miscellaneous N/A

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Basic Business Checking1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $5,000
Monthly Fee $12.50
Minimum Balance to Earn Interest N/A
Overdraft Privilege Limit3 $1,000
Miscellaneous Cash deposit:
$1 per $1,000 cash
handling fee after first
$3,000 per day.

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Community Investment NOW1,4

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $1,000
Monthly Fee $15
Minimum Balance to Earn Interest $1,000
Overdraft Privilege Limit3 $1,000
Miscellaneous Available to
Consumers, Sole
Proprietors and
Non-Profit only

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Public Funds Checking1

Minimum Balance to Open N/A
Minimum Balance to Avoid Fees N/A
Monthly Fee N/A
Minimum Balance to Earn Interest N/A
Overdraft Privilege Limit3 N/A
Miscellaneous N/A

 

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IOLTA NOW Account1,4

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Fee N/A
Minimum Balance to Earn Interest N/A
Overdraft Privilege Limit3 N/A
Miscellaneous N/A

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Community Tiered Money Market

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $2,500
Monthly Fee $15
Minimum Balance to Earn Interest $2,500
Overdraft Privilege Limit3 N/A
Miscellaneous Max 6 not-in-person
payments/withdrawals.
$20 per transaction fee in
excess of 6 during a
statement cycle.

 

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Public Funds Tiered Money Market

Minimum Balance to Open N/A
Minimum Balance to Avoid Fees N/A
Monthly Fee N/A
Minimum Balance to Earn Interest $2,500
Overdraft Privilege Limit3 N/A
Miscellaneous Max 6 not-in-person
payments/withdrawals.
$20 per transaction fee in
excess of 6 during a
statement cycle

 

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Regular Statement Savings (non-personal)

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $200
Monthly Fee $3
Minimum Balance to Earn Interest N/A
Overdraft Privilege Limit3 N/A
Miscellaneous Max 6 not-in-person
payments/withdrawals.
$20 per transaction fee in
excess of 6 during a
statement cycle.

 

 

1Subaccount Organization. We have organized your account in a nontraditional way. Your account consists of two subaccounts. One of these accounts is a transaction subaccount (e.g., a checking subaccount). You will transact business on this subaccount. The other is a nontransaction subaccount (e.g., a savings account). You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient and helps to keep costs down. 2 This is a variable rate product. Please call the bank for details. 3 You will be charged our $30.00 paid item fee for each overdrawn item created by check, a teller withdrawal, an automatic payment (ACH) transaction or recurring VISA® check card payment. All negative balances must be brought positive within 30 days. Bank reserves the right not to pay item(s) if an account is not kept in good standing. Alternatives to cover overdrafts include a link to your savings account or a line of credit. If you have any questions, please call the bank at 1-866-552-6668 for details. Also, if you request us to do so, we may authorize and cover ATM transfers or withdrawals and everyday VISA® check card purchases.4 We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account, other than a time deposit or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

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