Deposits

Why move your business deposits to TCB?

By banking with your dedicated business lender, you can keep your finances better connected and in the hands of a bank you trust. What you’re paying in fees you could be making in interest and other exclusive benefits with our preferred TCB business checking and savings solutions.

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Checking Accounts

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  • BIZREWARD CHECKING

    Reduce fees and consolidate your business accounts with BizReward.*

    Available exclusively to those who maintain both accounts, our high-yield BizReward Money Fund linked with our BizReward Checking account waives activity charges when required balances are maintained.

    In the event the minimum daily collected balance of $20,000 is not maintained, an activity fee of $30 will be assessed per statement cycle.

    Minimum Opening Deposit: $100
    Minimum Balance: $20,000

    Benefits

    * BizReward Checking is available only to customers who maintain a BizReward Money Fund account.

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  • COMMERCIAL CHECKING

    Ideal for large businesses with frequent transactions, this account rewards big balances.

    Commercial Checking makes it easier to make transfers and deposits while potentially reducing service charges with earnings credit. Featuring a $100 minimum opening requirement and no minimum daily balance, setup is simple.

    TMS services are charged. Monthly fees are based on Account Analysis. A maintenance fee of $15 will be assessed each month. Transaction fees are assessed as follows: $0.20 per debit; $0.12 per item deposit; $0.25 per deposit. Items include: each check deposited, each check drawn on account, and each deposit made.

    Minimum Opening Deposit: $100
    Minimum Balance: N/A

    Benefits

    * Subject to change with market.

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  • SMALL BUSINESS ACCOUNT

    Designed for businesses with moderate transaction activity, start-ups love this low-entry account.

    Just $100 to open and $10 per month to maintain, our Small Business Account gives you access to several convenient banking services, such as Check Imaging, Online Banking, and 120 items.

    Items include: each check deposited, each check drawn on account, and each deposit made. Each item after the stated limit is charged at a rate of $0.25 per item.

    Minimum Opening Deposit: $100
    Minimum Balance: N/A

    Benefits

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Savings Acounts

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  • BIZREWARD MONEY FUND

    Reduce fees, accrue more interest, and consolidate your business accounts with BizReward Money Fund.*

    Available exclusively to those who maintain both accounts, our high-yield BizReward Money Fund linked with our BizReward Checking account earns tier-based interest paid on a daily ledger balance. View rates.

    BizReward Money Fund requires a minimum daily collected balance of $2,500. In the event the minimum daily collected balance requirement is not maintained, an activity fee of $30 will be assessed per statement cycle. Each transaction exceeding the six per statement cycle will be charged an excess debit fee of $25.

    Minimum Opening Deposit: $100
    Minimum Balance: $2,500

    Benefits

    * BizReward Money Fund is available only to customers who maintain a BizReward Checking account.
    ** Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Each transaction exceeding the six per statement cycle will be charged an excess debit fee of $25. Transfers made in person or at an ATM are unlimited.

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  • MONEY MARKET

    A standalone savings account designed for business, this service helps maximize the interest you earn.

    Similar to the BizReward Money Fund, maintaining the monthly balance waives all basic monthly account service charges. Tier-based interest is calculated on a daily collected balance and paid monthly. View rates.

    If the balance in the account falls below $2,500 any day of the month, a maintenance fee of $25 will be imposed every month. Each transaction exceeding six per statement cycle will be charged an excess debit fee of $25.

    Minimum Opening Deposit: $100
    Minimum Balance: $2,500

    Benefits

    • Online Banking
    • Fee refunds for any ATM withdrawal in the United States
    • 6 withdrawals per statement cycle*
    • Check Imaging with e-Statement
    • Opportunity to waive maintenance fee
    • Tier-based interest if minimum balance is maintained

    * Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Each transaction exceeding the six per statement cycle will be charged an excess debit fee of $25. Transfers made in person or at an ATM are unlimited.

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  • PREMIER MONEY MARKET

    The perfect account for those planning to link a direct deposit and maintain a high balance.

    Our Premier Money Market account is reserved for new money and requires a direct deposit relationship.* Maintain a minimum daily collected balance of $25,000 to waive maintenance fees, access six complimentary check withdrawals per monthly statement cycle, and make unlimited ATM and in-person transfers.** Tier-based interest is calculated on a daily collected balance, paid monthly, and requires users to maintain a minimum account balance. View rates.

    If the balance in the account falls below $25,000 any day of the month, a maintenance fee of $25 will be imposed every month. Each transaction exceeding six will be charged an excess debit fee of $25.

    Minimum Opening Deposit: $25,000
    Minimum Balance: $25,000

    Benefits

    • Online Banking
    • Fee refunds for any ATM withdrawal in the United States
    • 6 withdrawals per statement cycle**
    • Check Imaging with e-Statement
    • Opportunity to waive maintenance fee
    • Tier-based interest if minimum balance is maintained

    * A direct deposit relationship must be maintained at all times to qualify for the Premium Money Market account. Failure to comply will result in a reclassification to the Texas Citizens Bank Money Market account at the applicable rate at the time of reclassification.
    ** Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Each transaction exceeding the six per statement cycle will be charged an excess debit fee of $25. Transfers made in person or at an ATM are unlimited.

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  • SAVINGS ACCOUNT

    Businesses with lower savings balances can benefit from a dedicated TCB savings account.

    All businesses need a cushion; move your savings deposits now to increase interest and improve service. Our commercial Savings Account offers the benefits of a personal Savings Account with a low minimum balance requirement of $100, quarterly statements and interest payments, and three complimentary withdrawals per calendar statement cycle. Interest is calculated on a daily collected balance. View rates.

    Each transaction exceeding three per calendar statement cycle will be charged an excessive debit fee of $5. If the balance of the account falls below $100 any day of the quarter, a maintenance fee of $5 will be imposed every quarter.

    Minimum Opening Deposit: $100
    Minimum Balance: $100

    Benefits

    • Online Banking
    • Fee refunds for any ATM withdrawal in the United States
    • Unlimited in-person/ATM transfers*
    • 3 withdrawals per calendar statement cycle**
    • Check Imaging with e-Statement
    • Opportunity to waive maintenance fee
    • Interest

    * Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Transfers made in person or at an ATM are unlimited.
    ** Three free withdrawals per calendar statement cycle. Each additional withdrawal will be charged an excessive debit fee of $5.

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Deposit Services


  • DEBIT CARD

    Included with all checking accounts, the Texas Citizens Bank VISA Check Card is accepted by over 28 million merchants.

    Wherever VISA or STAR is accepted, your card will be welcome. Gain quick access to checking and savings accounts using ATMs displaying the Pulse, Interlink, or Plus logo.

    Benefits

    • 24/7 account access at any Pulse, Interlink, or Plus ATM
    • Compatible with mobile pay apps
    • Detailed card transaction record with statement
    • No finance charges or annual fees
  • REORDER CHECKS

    Running out of checks? Our quick partner portal makes reordering business and personal checks easy.

    Simply locate your routing and transit number and click the button below to get started.

    ORDER CHECKS

  • FOREIGN CURRENCY

    View international exchange rates and buy and sell money online in three easy steps through our secure Travelex partner portal.

    Travelex offers exchanges for more than 50 currencies.

    Select desired currency
    Choose delivery option
    Pay online

    EXCHANGE CURRENCY

SAVINGS ESTIMATOR*

Saving is key to long-term success and a comfortable retirement. Experiment with different monthly savings amounts within your budget to see how far your money can take you.*This calculator tool is for estimating purposes only and may not calculate your exact payments.

Contact a banking representative to discover which account is right for your business.

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Mortgage Payment Calculator*

Balance time, interest, and monthly payments to see what financing works best for your goals. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Years:
Interest:
Loan Amount:
Monthly Principal Interest

Loan Payment Calculator*

Break down your loan to determine which payment options best fit your needs. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Principal:
Number of Payments:
Interest Rate:
Your Montly Payment:

Savings Estimator*

Enter how much you can afford to save monthly to see how much that investment could benefit you later. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Total invested each month: (Ignore comma)
Number of months/years to acquire sum:
Interest rate on savings (%):
 
 

Debt Payoff Calculator*

Make goals to pay your debt off by a specific date. Use the calculator to plan out payments and set a timeline to become debt free. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Enter your credit card balance:
Enter the credit card's interest rate:
Enter payment amount per month:
or
Enter desired months until debt free: