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BUSINESS SAVINGS
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BUSINESS STATEMENT SAVINGS ACCOUNT

A convenient and accessible way to save money, you may use statement savings on its own, linked to your Texas Exchange Bank ATM card or MasterCard® Debit card*! It is ideal for low transaction volume businesses.

  • Minimum Opening Balance - $100.00
  • No service fee with minimum daily balance of $100.00; $2.00 charge will apply for the month, if minimum balance is not maintained
  • Maintain only $100.00 daily balance to earn interest
  • One withdrawal per month; $3.00 for each withdrawal over one
  • Interest earnings - Compounded quarterly and will be credited to your account quarterly
  • FREE Online Banking
  • FREE 24-Hour Voice Response Banking
  • Quarterly Statements**

*MasterCard® Debit card available only when combined with an eligible Checking Account, and subject to proper authorizations.
** Monthly with EFT activity

BUSINESS MONEY MARKET ACCOUNT

Earn a money market rate on your account balances and enjoy the convenience of easy access to your account with our Business Money Market Account.

  • Minimum opening balance - $2,500.00
  • Maintain  $2,500.00 daily balance to earn interest
  • Interest earnings - Compounded monthly and will be credited to your account monthly
  • No service fee with minimum daily balance of $2,500.00; $10.00 charge will apply for the month, if minimum balance is not maintained
  • Withdrawals - Limited to six(6)  withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party
  • Six debit transactions allowed per month. Additional debits are $10.00 each
  • FREE Online Banking
  • FREE 24-Hour Voice Response Banking

BUSINESS PREMIUM MONEY MARKET ACCOUNT

Our high yield money market account provides interest rate tiers, to maximize your return - the larger your balance, the higher the rate you receive on your funds.

  • Minimum Opening Balance - $50,000.00
  • Maintain  $2,500.00 daily balance to earn interest
  • Interest Earnings - Compounded monthly and will be credited to your account monthly
  • No service fee with minimum daily balance of $50,000.00; $15.00 charge will apply for the month, if minimum balance is not maintained
  • Withdrawals - Limited to six(6)  withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party
  • Six debit transactions allowed per month. Additional debits are $10.00 each
  • FREE Online Banking
  • FREE 24-Hour Voice Response Banking

BUSINESS CERTIFICATES OF DEPOSIT
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Texas Exchange Bank’s Certificate of Deposits offer a guaranteed, higher interest rate with terms from 30 days to 5 years. The interest rate and annual percentage yield will not change for the term of the account.

  • Competitive Interest Rates
  • Minimum opening balance as low as $500.00, depending on term
  • Terms from 30 days to 5 years
  • Choose the earnings distribution method that best suits your needs: 
    -  Add back to principal,
    -  Earnings check, or
    -  Direct deposit into your Texas Exchange Bank checking, savings or money market account.

Penalty for Early Withdrawal may apply.

The interest rate and annual percentage yield may change, at our discretion, at anytime.
Please see Rates tab, at left, for our current rate offerings.

Refer to account terms and disclosures for further information and limitations ON ALL BUSINESS ACCOUNTS - please contact a New Accounts Representative for this document.

Notice of Changes in FDIC Insurance Coverage    

By federal law, as of January 1, 2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. 

For more information, please visit  www.fdic.gov/deposit/deposits/unlimited/expiration

To obtain more information on deposit insurance coverage and the level of protection that the insurance affords, please refer to the website address provided below:
http://www.fdic.gov