Commercial Checking Accounts

TCB Small Business Checking

Description: A non-interest bearing account for small businesses with less than a total of 150 debits and credits and items deposited.

Min to Open: $100              $1,000 (Minimum daily balance)

Fees: If the minimum daily balance during the statement cycle is:

  • Less than $1,000-$15.00 per statement cycle plus $.25 per item in excess of 150 items
  • $1,000 or greater-No charge

Free Netteller Online Banking; Unlimited InTouch automated calls

Other Related Charges: Current postage fee will apply if customer does not elect to receive electronic statement; Optional Electronic Bill Payment Services-$5 per month

TCB Small Business NOW Account

Description: An interest bearing account available only for sole proprietorships with less than a total of 150 debits and credits and items deposited.

Min to Open: $2,500              $2,500 (Minimum daily balance)

Fees: If the minimum daily balance during the statement cycle is:

  • Less than $2,500-$15.00 per statement cycle plus $.25 per item in excess of 150 items-no interest paid
  • $2,500 or greater-No charge

Free Netteller Online Banking; Unlimited InTouch automated calls

Other Related Charges: Current postage fee will apply if customer does not elect to receive electronic statement; Optional Electronic Bill Payment Services-$5 per month

TCB Commercial Checking

Description: A non-interest bearing account for intermediate size businesses with over 150 debits and credits and items deposited-fees assessed for transactions are offset by earnings credit on collected balance.

Min to Open: $100

Fees: $15.00 per statement cycle plus:

  • $.15 fee per debit (item paid)
  • $.30 fee per credit (deposit)
  • $.12 fee per deposited item

Earnings credit is determined by bank

Free Netteller Online Banking; Unlimited InTouch automated calls

Other Related Charges: Current postage fee will apply if customer does not elect to receive electronic statement; Optional Electronic Bill Payment Services-$5 per month

TCB Commercial Analysis

(Full Account Analysis)

Description: A fully analyzed account with the service charge structure based on allowing an earnings credit to apply toward the elimination of fees assessed for all services rendered.

Min to Open: $100

Other Related Charges: Current postage fee will apply if customer does not elect to receive electronic statement; Optional Electronic Bill Payment Services-$5 per month

IOLTA (Interest on Lawyers Trust) Checking NOW Account 

Description: IOLTA is an interest bearing trust account, such as a negotiable order of withdrawal (NOW) account with the interest earned paid to the Texas Equal Access to Justice Foundation.

Fees: No minimum balance required; No monthly service charge; Free Netteller Online Banking; Unlimited InTouch automated calls

Other Related Charges: Current postage fee will apply if customer does not elect to receive electronic statement; Optional Electronic Bill Payment Services-$5 per month

Secure Online Banking