Accounts

Let Texas Coastal Bank help you put your money to work for you. With checking and savings accounts designed to meet your business needs, Texas Coastal is your community bank.

Business Checking

Small Business Checking
Texas Coastal Bank’s Small Business Checking Account is the perfect account for the small business owner that is just starting out or has a limited number of transactions.  This flexible account allows you to process up to 150 transactions per month with no activity service charge.  We understand how important every dollar is to your growing business and have developed this account with that in mind.

Account Benefits:

• Free Imaged Statements
• Free Online Banking
• Free Bill Pay ($10.00 per month after 90 days)
• Free Notary Service
• No Activity Service Charge
• Includes 150 transactions per month*

Account Details:

• $100 minimum opening balance
• *$0.50 per transaction over 150 (includes deposits, withdrawals, and items deposited)
• Cancelled checks not returned with statements

Commercial Checking
Texas Coastal Bank’s Commercial Checking Account is the perfect account to meet your growing business’s needs.  It features a monthly earnings credit which can reduce or eliminate checking account service charges.  When used in conjunction with our free real-time online banking system, you’ll enjoy complete control of your company’s finances.

Account Details:

• $250.00 minimum opening balance
• $15.00 monthly maintenance fee

Per item fees include:

Debit posted……….$0.15
Credit posted………$0.45
Items deposited……$.012

Account will receive an Earnings Credit, not to exceed accumulated charges, equal to 90% of the Average Monthly Collected balance multiplied by the 90 day Treasury Bill rate in effect on the date of the statement cycle period.  Negative uncollected funds balances will be subject to a charge equal to 18% per annum for the average negative uncollected amount outstanding during the statement cycle period.

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Business Savings

Commercial Savings
Texas Coastal Bank’s Commercial Savings Account is the perfect tool to allow your company to save for future expenditures while earning interest on your deposits.   Call or stop by one of our offices and start saving today.

Account Details:

• $100 minimum opening balance
• Withdrawals or transfers in excess of 3 per quarter are $5.00 each
• A $5.00 Activity Charge will be imposed on accounts whose Average Daily Balance is less than $100.00
• Quarterly Statements
• This account pays simple interest paid quarterly.  The interest rate may change at any time.

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