More about Business Advantage

Additional Benefits

• $15,000 in branch cash deposits per statement cycle without a fee²
• 2 free official checks per visit 
• 30% discount on first order of business checks or free business check standard box 
• Merchant Services set up fee waiver 
• Enhanced Digital Cash Management Services set up fee waiver 
• Preferred business lending rates 
• Free Online and Mobile Access with Mobile Deposit 
• Free bill pay transactions 
• Free Business Debit Card 
• Free overdraft protection with a linked business account⁴
• Free online and paper statements 

Monthly fees

There is a monthly service fee ($30) for our Business Advantage account. However, the monthly service fee can be avoided by doing one of the following:

• Maintain a $15,000 average monthly collected balance in your Business Advantage account.
• OR, maintain a $30,000 average monthly collected balance in combined balances with your Business Advantage account and your other deposit accounts (money market, investor fund, savings, checking, or CD balances).3 The other deposit accounts may be in the business name and also include your personal accounts. Business and personal accounts linked to your Business Advantage account to qualify as a combined balances may only be used once. For example, your CD can only be linked to one account to offset the monthly maintenance fee.

*New accounts will receive a monthly service fee grace period for 3 months to allow time to set up your account, transfer funds and link your accounts to combine balances.

Monthly in Branch Cash Deposit Fee:
Up to $15,000 cash deposited in branch per month is free; $3 per additional $1,000 cash deposited in branch thereafter.

Disclosures

1. No limit on the number of transactions, however branch cash deposit fees may apply
2. $3 per $1,000 cash deposited thereafter
3. Accounts are not automatically linked. Please notify your banker which accounts should be linked.
4. If you are enrolled in Overdraft Protection, we will automatically transfer funds at no charge to you from your linked Bank of Texas savings, investor fund account, business money market account or business line of credit into your checking account at the end of any business day on which your available balance is less than zero. Limited to one linked business savings, investor fund, business money market or business line of credit as a source of funding. Accounts are not automatically linked. Please notify your banker which account should be linked.