Business Accounts

EAGLE BUSINESS CHECKING
ECONOMY BUSINESS CHECKING
REGAL BUSINESS CHECKING
COMMERCIAL SUPER NOW CHECKING
COMMERCIAL SOARING EAGLE MONEY MARKET CHECKING
COMMERCIAL SAVINGS

Eagle Business Checking

  • $100.00 minimum balance to open
  • Account Analysis Fees
    • $10.00 monthly maintenance fee
    • $.10 per debit (check written, draft, or electronic debit)
    • $.25 per credit (deposit slip or electronic credit)
    • $.05 per deposited item
    • $.50 per un-encoded deposit slip
    • FDIC assessment fee
    • Earnings Credit – is applied to reduce or eliminate fees on the account.  If the earnings credit exceeds the fees for any period, you will be assessed no fees, but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit.
    • Accrual of earnings credit on non-cash deposits – Earnings credit will begin to accrue on the business day you deposit non-cash items (for example, checks)
    • Earnings credit calculation – by applying the daily periodic earnings credit rate to the average collected balance less reserves in the account each day of the period.
    • The daily periodic earnings credit rate is equal to the four week average for the previous month of the 90 day Treasury Bill rate divided by 365.  The daily periodic earnings credit rate may change as often as monthly.  The earnings credit will be calculated and applied against fees incurred for the monthly statement cycle.
    • Business Debit Card – first card free for each account signer, $5.00 order fee for each employee card or for a reorder of a card or PIN number.

Economy Business Checking

  • $100.00 minimum balance to open
  • $10.00 maintenance fee each month - Waived with 150 or less transactions per month (total debits + credits)
  • Business Debit Card – first card free for each account signer, $5.00 order fee for each employee card or for a reorder of a card or PIN number.
  • One safe deposit box rental free for one year, then normal annual rental fees apply (Located at Main Branch in Schertz and the Kirby Branch only)

Regal Business Checking

  • $100.00 minimum balance to open
  • $10.00 maintenance fee each month
  • Waived with an average monthly balance of $10,000.00 or a $35,000.00 average monthly balance when combined with a personal checking balance
  • 400 items free per month (debits and credits), then $.25 per item
  • E-Statements only
  • First order of checks free (Value Pack only) of 3-to-a-page checks includes
    • 150 single or duplicate safety checks
    • Premier binder with stub and bill keeper
    • 100 duplicate book-bound deposit  slips
    • Endorsement stamp
  • Business Debit Card – first card free for each account signer, $5.00 order fee for each employee card or for a reorder of a card or PIN number.
  • One safe deposit box rental free for one year, then 35% off the normal annual rental fees apply  (Located at Main Branch in Schertz and the Kirby Branch only)

Interest-bearing Accounts

Commercial Super Now Checking (for Sole Proprietor and Non-profit only)

  • $100.00 minimum balance to open
  • Interest rate and annual percentage yield may change at any time at our discretion
  • Interest will be compounded every month and credited to your account every month.
  • We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
  • Account Analysis Fees
    • $10.00 monthly maintenance fee
    • $.10 per debit (check written, draft, or electronic debit)
    • $.25 per credit (deposit slip or electronic credit)
    • $.05 per deposited item
    • $.50 per un-encoded deposit slip
    • FDIC assessment fee
    • Earnings Credit – is applied to reduce or eliminate fees on the account.  If the earnings credit exceeds the fees for any period, you will be assessed no fees, but you will  not be paid, carry forward or otherwise receive credit for any excess earnings credit.
    • Earnings credit calculation – by applying the daily periodic earnings credit rate to the average collected balance less reserves in the account each day of the period.  The daily periodic earnings credit rate is equal to the four week average for the previous month of the 90 day Treasury Bill rate divided by 365.  The daily periodic earnings credit rate may change as often as monthly.  The earnings credit will be calculated and applied against fees incurred for the monthly statement cycle.
    • Accrual of earnings credit on non-cash deposits – Earnings credit will begin to accrue on the business day you deposit non-cash items (for example, checks)
    • Business Debit Card – first card free for each account signer, $5.00 order fee for each employee card or for a reorder of a card or PIN number.

Commercial Soaring Eagle Money Market Checking

  • $100.00 minimum balance to open
  • $10.00 monthly service charge
  • Waived with a minimum daily balance of $1,000.00 during the calendar month.
  • Fees:  An excessive debit fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six (6) during a calendar month.
  • Transaction limitations: Transfers from a Commercial Soaring Eagle Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card or similar order to third parties are limited to six (6) per calendar month.
  • Violation of the transaction limitations – Violations may result in Account Type Change.
  • Rate information – the interest rate and annual percentage yield may change at any time at our discretion.
    Interest will be compounded every month and credited to the account each statement cycle. We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
  • Accrual of earnings credit on non-cash deposits – Earnings credit will begin to accrue on the business day you deposit non-cash items (for example, checks)

Commercial Savings Account

  • $100.00 minimum balance to open
  • Service Charge fee of $2.00 will be imposed every month if the balance in the account falls below $100.00 any day of the calendar month.
  • Fees:  an excessive withdrawal fee of $2.00 will be charged for each withdrawal in excess of three (3) during a calendar month.
  • Transaction Limitations – Transfers from a Commercial Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month.
  • Violation of the transaction limitations may result in account closure.
  • Rate information – the interest rate and annual percentage yield may change at any time at our discretion.
    Interest will be compounded every month and credited to the account each statement cycle.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).
  • Accrual of earnings credit on non-cash deposits – Earnings credit will begin to accrue on the business day you deposit non-cash items (for example, checks)