Business Checking Accounts

Whether you’re managing day-to-day expenses or optimizing how your business puts its cash to work, Texas Heritage National Bank offers four dependable checking options tailored to your needs.

Each account come with local support and no-nonsense service.

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Bronze Business Checking

Bronze Business Checking is designed to meet the varied needs of our business clients. With tiered options based on your balance and transaction activity, it’s built to support businesses at every stage.

Good for businesses that:

  • Need a reliable account for daily operations
  • Want a checking solution that scales with their growth
  • Prefer an account that rewards higher activity and balances


Silver Business Checking

Silver Business Checking is built for growing businesses that need flexibility, higher transaction capacity, and predictable monthly banking. It’s a straightforward, non-interest account designed to support higher activity without added complexity.

Good for businesses that:

  • Have moderate to high transaction volume
  • Want simple, predictable monthly account management
  • Need flexibility as operations expand


Gold Commercial Checking

Gold Commercial Checking is designed for established businesses with higher balances, complex cash flow, and treasury management needs. This account provides advanced tools, earnings credit, and account analysis to help optimize liquidity and control costs.

Good for businesses that:

  • Maintain higher balances and transaction volume
  • Require treasury management and cash flow tools
  • Want earnings credit and account analysis to offset fees



Business Money Market Checking

Earn interest while keeping funds accessible. Our Business Money Market account provides your business with a secure place to grow its reserves without compromising liquidity.

Good for businesses that:

  • Maintain higher balances
  • Want to earn interest without long-term commitments
  • Make occasional, not daily, withdrawals


Business Checking Account Comparison

Texas Heritage National Bank

Account

Bronze Business Checking

Silver Business Checking

Gold Commercial Checking

Target Customer

Any business wanting to earn interest with a low transaction volume

Small to Large Businesses

Large Commercial Customer

Minimum to Open

$100.00

$500.00

$1,000.00

Interest Bearing

Yes; Tiered

None

None

Interest Tiers

Tier 1: $1,000.00 – $9,999.99
Tier 2: $10,000.00 – $24,999.99
Tier 3: $25,000.00 – $49,999.99
Tier 4: $50,000.00 and higher

Minimum Balance to Earn Interest

$1,000.00

Monthly Service Charge

$10 if balance falls below $1,000 any day during the statement cycle

$15 if balance falls below $2,500 any day during the statement cycle

Subject to AA

Overdraft

$34 per item; no limit

$34 per item; no limit

$34 per item; no limit

Debit Restrictions

First 150 debit transactions per statement cycle are Free; $0.25 for each transaction thereafter

First 200 debit transactions per statement cycle are Free; $0.25 each transaction thereafter

Subject to AA

Statements

Images returned with monthly statements

Images returned with monthly statements
E-Statement Included
Paper Statements – $5 per statement cycle

Images returned with monthly statements
E-Statement Included
Paper Statements – $5 per statement cycle

Sweeps

Not Available

Not Available

Available

Business Debit Card

Yes

Yes

Yes

Features

E-statements, Online Banking, Merchant Card Services, Autobooks, Positive Pay

E-statements, Online Banking, Merchant Card Services, Autobooks, Positive Pay

E-statements, Online Banking, Merchant Card Services, Autobooks, Positive Pay

Treasury Management

No

1 TM Services Included; Other TM Services available at additional charge*

Full suite: Cash Management, ACH, Wires, Remote Deposit Capture

Earnings Credit to Offset Fees

N/A

N/A

Included