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Business Accounts

Want a business partner you can count on? That's us.

Hard work. Hiring the right people. Sweating the details. When it comes to growing profits, Texas business leaders know there are no shortcuts. The same goes for money management. At Spirit of Texas Bank, we offer a range of full-service checking accounts that help businesses make timely transactions, monitor cash flow and hold the line on expenses.
 
Whether you run a corporation or a corner store, our business banking team can fit you with an account tailored to your needs. Each of them offers cutting-edge, 24/7 digital banking, meaning that we're ready to go to work any time you are. Our accounts also include:
 
  • Free eStatements that contain timely account and transaction information
  • Unlimited access to Online Banking, Mobile Banking and Telephone Banking
  • Free Mastercard debit card (Additional cards available for a small fee)
  • Download account data to commercial software for easy analysis
  • Access to 50,000 service-charge free ATMs across North America via the AllPoint ATM network
  • No foreign ATM fees (foreign banks may charge a fee)

Commercial Business Checking

  • Minimum opening balance of $100
  • Monthly charges determined by account analysis
  • Charges may be waived based on balances, activity, and earnings credit rate

SBA Analysis Checking

  • Minimum opening balance of $250
  • Monthly charges determined by account analysis
  • Charges may be waived based on balances, activity, and earnings credit rate
  • Free Laser Checks Intro Pak or $100 off first order of business check products

Business Basic

  • Minimum opening balance of $500
  • Monthly account fee of $5
  • Fee waived with $2,500 minimum daily balance
  • No deposit limitations
  • If daily balance falls below $10,000, there is a 10-cent per item charge for exceeding 50 checks and withdrawals per monthly statement cycle

Business Interest Checking

  • Minimum opening balance of $500
  • Monthly account fee of $8
  • Fee waived with $5,000 minimum daily balance
  • Tiered variable interest rate means that bigger balances can earn better returns
  • No deposit limitations
  • If daily balance falls below $10,000, there is a 10-cent per item charge for exceeding 50 checks and withdrawals per monthly statement cycle
Details 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 $2,500 minimum daily balance Maintain $5,000 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 50 checks and withdrawals per monthly statement cycle No deposit limitations. If daily balance falls below $10,000 subject to: $0.25/item over 50 checks and withdrawals per monthly statement cycle No deposits limitations. No more than 6 withdrawals or transfers.$10 per item fee for over 6 withdrawals per month. No deposits limitations. 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.
 
 
 
 
 
 
 
 

Why Spirit of Texas Bank? 

  • Strongly focused on customer service. 
  • World-class banking services. 
  • Firm Texas roots.