Online Banking

×

Compare Our Business Accounts

Spirit of Texas Bank offers a variety of business checking accounts to meet your needs. The comparison table below can help you determine which account is best for you. As you can see, we offer a variety of accounts with great features: 

We also offer several Treasury Management products designed to make your banking experience convenient and cost efficient.  For more information on our business accounts, please contact your local branch representative. 

  Commercial Business Checking SBA Analysis Checking Business Basic Business Interest Checking Business Spirit Money Market Business Spirit Savings
Minimum Opening Balance $100 $250 $500 $500 $2,500 $100
Monthly Service Charge Determined via Account Analysis  Determined via Account Analysis  $5 $8 $10 $3
To Waive Monthly Service Charge Based on balances, activity, and earnings credit rate Based on balances, activity, and earnings credit rate Maintain $10,000 minimum daily balance Maintain $10,000 minimum daily balance Maintain $2,500 minimum daily balance Maintain $100 minimum daily balance
Minimum Balance Requirement None None None $10,000 minimum daily balance to earn interest $2,500 minimum daily balance to earn interest $100 minimum daily balance to earn interest
Interest None None None Tiered variable interest rate compounded daily and paid monthly. Tiered variable interest rate compounded daily and paid monthly. Tiered variable interest rate compounded daily and paid monthly.
Transaction Limits None None No deposit limitations. If daily balance falls below $10,000 subject to: $0.10/item over 25 checks and withdrawals per monthly statement cycle  No deposit limitations. If daily balance falls below $10,000 subject to: $0.25/item over 25 checks and withdrawals per monthly statement cycle  No deposits limiations. No more than 6 withdrawals or transfers.$10 per item fee for over 6 withdrawals per month.  No deposits limiations. No more than 6 withdrawals or transfers. $10 per item fee for over 6 withdrawals per month
Debit Card One free Mastercard® Business debit card. Additional cards available for a fee per card. One free Mastercard® Business debit card. Additional cards available for a fee per card. One free Mastercard® Business debit card. Additional cards available for a fee per card. One free Mastercard® Business debit card. Additional cards available for a fee per card. One free Mastercard® Business debit card. Additional cards available for a fee per card. One free Mastercard® Business debit card. Additional cards available for a fee per card.
Check Orders Fee depends on style of checks Free QuickPick Three to a Page or Laser Checks Intro Pak or $100 off first order of business check products Fee depends on style of checks Fee depends on style of checks Fee depends on style of checks Fee depends on style of checks

"Balance" is considered collected balance during statement cycle. 

Re-order checks here