Business Accounts

As a community bank, we understand the needs of businesses in the communities we serve. We provide the tools and technology you need to manage and grow your business.

While we offer the most advanced banking technology, including online and mobile banking, we also focus on providing personal service so businesses have someone in their corner to assist them with any financial need.

What do I need to open an account?

Below is a list of the checking and savings accounts available to businesses. They are tailored to fit the needs of our East Texas business partners. However, if you need assistance with any account, please contact customer service at 1-888-608-7787.

 

Expand All  |  Collapse All

  • Small Business Simple Checking

    Perfect for accounts with fewer than 200 items per month

    • Minimum Deposit to Open: $100
    • Maintenance Fee: No Fee1
    • Item Restrictions: 2002,3
    • MasterCard Business Debit Card Available
    • Online Banking
    • Mobile Banking4
    • Phone Banking
    • Text Banking4
    • Business Bill Pay5
    • Xpress Deposit5
    • Cash Management Services Available5
    • Positive Pay Available5


    1E-Statements required for statement delivery
    2Check images available through online banking only
    3If the number of items exceeds 200, account will be subject to conversion to account analysis.
    4Message and data rates may apply
    5Enrollment and approval required

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Basic Business Checking

    A non-interest bearing account.

    • Minimum Deposit to Open: $100
    • Maintenance Fee
      $1,000+ No Fee
      Less than $1,000 $10.00
    • Item Restrictions: 2001,2,3
    • MasterCard Business Debit Card Available
    • Online Banking
    • Mobile Banking4
    • Phone Banking
    • Text Banking4
    • Business Bill Pay5
    • Xpress Deposit5
    • Cash Management Services Available5
    • Positive Pay Available5


    1Account subject to change if transaction limit is exceeded
    2Check images returned in statement and available through online banking
    3If the number of items exceeds 200 a $0.05 per check charge will be assessed
    4Message and data rates may apply
    5Enrollment and approval required
     

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Business Interest Checking

    An interest bearing account for sole proprietorships and qualified non-profit organizations

    • Minimum Deposit to Open: $500
    • Maintenance Fee
      $1,000+ No Fee
      Less than $1,000 $8.00
    • Interest Paid on Daily Balances Over $1,000
    • Unlimited Check Writing1,2
    • MasterCard Business Debit Card Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Business Bill Pay5
    • Xpress Deposit4
    • Cash Management Services Available4
    • Positive Pay Available4


    1Account subject to change if transaction limit is exceeded
    2Check images returned in statement and available through online banking
    3Message and data rates may apply
    4Enrollment and approval required
     

    Additional fees are applicable to this account as disclosed in the

  • Commercial Interest Checking

    An interest bearing account.

    • Minimum Deposit to Open: $100
    • Maintenance Fee: See Account Analysis Fees
    • Interest Paid on Daily Balances Over $100,000
    • Unlimited Check Writing1,2
    • MasterCard Business Debit Card Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Business Bill Pay5
    • Xpress Deposit4
    • Cash Management Services Available4
    • Positive Pay Available4


    1Account subject to change if transaction limit is exceeded
    2Check images returned in statement and available through online banking
    3Message and data rates may apply
    4Enrollment and approval required
     

    This account is not subject to unlimited FDIC temporary insurance coverage. Funds must be in a "noninterest-bearing transaction account" to be insured by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Business Account Analysis Checking

    An account for businesses that do more than 200 transactions a month and/or need additional Cash Management Services.

    • Minimum Deposit to Open: $100
    • Maintenance Fee: See Account Analysis Fees
    • Unlimited Check Writing1,2
    • MasterCard Business Debit Card Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Business Bill Pay5
    • Xpress Deposit4
    • Cash Management Services Available4
    • Positive Pay Available4


    1Account subject to change if transaction limit is exceeded
    2Check images returned in statement and available through online banking
    3Message and data rates may apply
    4Enrollment and approval required
     

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Business Money Market

    An interest bearing account with limited check writing.

    • Minimum Deposit to Open: $1,000
    • Maintenance Fee:
      $1,000+ No Fee
      Less than $1,000 $10.00
    • Interest Paid on Daily Balances Over $1,000
    • Item Restrictions1,2
    • MasterCard Business Debit Card Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Business Bill Pay5
    • Xpress Deposit4
    • Cash Management Services Available4
    • Positive Pay Available4

    1Check images returned in statement and available through online banking
    2$5 per withdrawal in excess of 6 per statement cycle
    3Message and data rates may apply
    4Enrollment and approval required
     

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Business Savings Accounts
    • Minimum Deposit to Open: $100
    • Maintenance Fee:
      $200+ No Fee
      Less than $200 $6.00
    • Interest Paid on Balances Over $200
    • Higher Interest paid on Balances Over $10,000.
    • Withdrawals Limited1
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Xpress Deposit3


    1$2 per withdrawal in excess of 9 per quarterly statement cycle
    2Message and data rates may apply
    3Enrollment and approval required

     

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Business CD - Certificate of Deposit

    An investment with a fixed rate of interest for a specific period of time

    • Minimum Deposit to Open: $1,000
    • Maintenance Fee: No Fee
    • Interest Paid on Balances
    • Terms: 30 days to 5 years2
    • Online Banking
    • Mobile Banking1
    • Phone Banking
    • Text Banking1


    1Message and data rates may apply.
    2Certificates of Deposit are an investment with a fixed rate for a specific period of time. Certificates are automatically renewed for the same term with the current rate. A penalty may be imposed for withdrawal prior to maturity.

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

  • Safe Deposit Boxes

    Store valuable papers and items securely at one of our safe deposit box locations.1

    Sizes2

    3 x 5 $30.00
    5 x 5 $35.00
    3 x 10 $40.00
    4 x 10 $50.00
    5 x 10 $60.00
    10 x 10 $80.00
    15 x 11 $100.00

     

    • Minimum Deposit: $25.00 Key Deposit
      Refundable when the box is released and both keys returned.
    • Auto Draft Discount: $15.00
      Sign up to have your box rental automatically charged to your account and receive a discount.


    1Not available at all locations
    2Not all sizes available at all locations

     

    Additional fees are applicable to this account as disclosed in the Fee Schedule.

For more information please visit one of our Branch locations to learn more about our account disclosures.