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Business Accounts

We offer a variety of business accounts to fit your banking needs.

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Compare Business Checking Accounts

For more information or to open an account, please contact us today. Our New Accounts representatives are ready to help!

Account TypeInterest EarningMonthly Maint. FeeKey Features
Business Checking Options

Economy Business

No $10.00
  • Waived monthly fee if 150 transactions or less per statement cycle
  • E-statements
  • Debit card
  • Online banking
Regal Business No

$10.00

 
  • Waived monthly fee with an average monthly balance of $10,000.00 or a $35,000.00 average monthly balance when combined with a personal checking balance
  • E-statements
  • Debit card
  • Online banking
Eagle Business No

$10.00

  • Account subject to Account Analysis Fees based on account activity, average collected balances, and earnings rate factors.
Super Now Yes $10.00
  • Account subject to Account Analysis Fees based on account activity, average collected balances, and earnings rate factors
  • Account restricted to Sole Proprietor and Nonprofit Only
Money Market Yes $10.00
Can be waived
  • Waived if you maintain a $2,500.00 daily balance

Economy Business Checking

Requirements

  • $100.00 minimum balance to open

Monthly Maintenance Fee

  • $10.00 maintenance fee each month - Waived with 150 or less transactions per month (total debits + credits)

Features

  • Free E-statements
  • Free Online Banking
  • 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.
  • 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

Requirements

  • $100.00 minimum balance to open

Monthly Maintenance Fee

  • $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

Features

  • 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.
  • 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)

Eagle Business Checking

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.

Requirements

  • $100.00 minimum balance to open

Features

  • 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.

Disclaimers

  • 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 Super Now Checking

Requirements

  • For Sole Proprietor and Non-profit only
  • $100.00 minimum balance to open

Features

  • Interest Bearing
  • 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.

Disclaimers

  • 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 Money Market Checking

Requirements

  • $100.00 minimum balance to open

Service Charge

  • $10.00 monthly service charge
  •  Waived with a minimum daily balance of $2,500.00 during the calendar month.

Disclaimers

  • 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 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).

Other Products & Services

Once you open a business account with Schertz Bank & Trust you may also be interested in:

Business Savings Account

Requirements

  • $100.00 minimum balance to open

Service Charge

  • Service Charge fee of $5.00 will be imposed every month if the balance in the account falls below $100.00 any day of the calendar month.

Disclaimers

  • Fees: an excessive withdrawal fee of $3.00 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)
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