Commercial Checking
- Summary
Our Commercial Checking Account is a simple checking account perfect for medium and large business with cash services and electronic cash management available.
- All First State Bank Commercial Checking Accounts receive Image Statements.
- Only $100 deposit required to open a Commercial Checking Account.
Interest Bearing Commercial Checking Accounts
First State Bank also offers Interest Bearing Commercial Checking Accounts. Earn interest as your business earns money. Due to government regulations, Interest Checking Accounts are limited to Individuals, Sole Proprietorships, and Non-Profit Organizations.
Commercial Money Market Accounts
Interested in a Commercial Money Market Account? Money Market and VIP Money Market Accounts are available especially for Commercial customers. Call a New Accounts Representative (940) 665-1711 for current information.
- Fees
Monthly service charges are based on balances maintained in your account. Your account will be charged a service charge if activity and maintenance fees exceed an Earnings Credit. The Earnings Credit rate is based on an investable balance average collected balance less the reserve requirement.
The Earnings Credit rate will be reset by the bank on the first business day of each month based on current market and economic conditions. Fees that may be offset by the Earnings Credit are disclosed under the "Commercial Account Fees" portion of this disclosure.
*Note - an excess Earnings Credit will not carry forward to the next statement period and is not payable in cash. Multiple accounts under one business may be aggregated.
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Working Capital Loans
Get a working capital Loan to smooth out your cash flow and get extra security. We can help you pay for materials before you collect from your customers.
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