BUSINESS BANKING

We are dedicated to partnering with businesses in our community to help them meet their goals and take their business to the next level. We offer powerful tools and flexible products to save you time and money.  Please contact us at any of our eight locations to speak with our knowledgeable, friendly team members for additional details on any of our products or services.


BUSINESS CHECKING

 

Business Checking Account Benefits

-FREE Digital Banking (Mobile app or Web browser)      -FREE Mobile Deposit (Single item capture)

-FREE E-statements      -FREE MasterCard Debit Card (issued instantly!)

BUSINESS BANKING

First Texas Bank has 4 different options for your business banking needs.

 


BUSINESS CHECKING

 

FIRST TEXAS BANK OFFERS

First Texas Bank can meet all your banking needs at our main downtown location.  When you just want to make a deposit or need some money, visit our Key Avenue location. Also take advantage of our three ATMs conveniently located throughout Lampasas.

  • Personal and business accounts
  • Automatic transfers
  • Bank by mail
  • Cash advances
  • Cashier’s checks
  • Direct deposit
  • E-Statements
  • External Transfers
  • First Access telephone banking
  • Mobile banking app
  • Mastercard debit card
  • Merchant services
  • Mobile Remote Deposit Capture
  • Notary services
  • Online banking
  • Ready Credit
  • Safe deposit boxes
  • U.S. Savings Bond Redemption
  • Wire transfer services

BUSINESS CHECKING

Business Checking:

Our Business Checking is designed for businesses with light to moderate transaction activity that want the flexibility of either enrolling in E-statements or receiving a monthly mailed statement.  Please contact us for additional account terms and conditions that may apply.

  • $100 to open
  • No minimum balance required
  • Unlimited electronic transactions
  • Free E-statements (Statement fees apply for monthly mailed statements)
  • Transaction fees may apply if transaction limitations are exceeded

First Texas Organization / Association:

Non-profit organizations, churches, clubs or associations qualify for this type account.

  • Free Online Banking
  • Free E-Statements
  • Minimum balance to open account of $25.00
  • Funds insured by FDIC to $250,000
  • A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 during the statement cycle

 

Business Analysis Checking:

The First Texas Business Analysis Checking account is designed for our business customers that have high activity on their accounts.  This account features an earning credit calculated on the investable balance, which is applied to reduce fees on this account.  Please contact us for additional account terms and conditions.

  • $100 to open
  • No minimum balance required
  • Additional fees assessed based on account activity

First Texas Business Basic:

Designed for small business or non-personal accounts with activity of less than 200 transactions per statement cycle.

  • Free Online Banking
  • Free E-Statements
  • Minimum balance to open account of $25.00
  • Funds insured by FDIC to $250,000
  • $10.00 maintenance fee per month
  • No minimum balance requirement

Business Interest Checking:

If you are looking for a business account that earns interest, our First Texas Business Interest checking account is the account for you.  Please contact us for current rates and additional account terms and conditions.

  • Not available to for-profit corporations or partnerships
  • $100 to open
  • $2,500 average daily balance required
  • Monthly service charge will apply if balance requirement is not met
  • Unlimited electronic transactions
  • Transaction fees may apply if transaction limitations are exceeded

First Texas Business Select:

This account is designed for high volume transaction activity. This account utilizes deposit balances to earn credit that can offset service charges on your account.  Designed for large businesses or non-personal accounts with activity greater than 200 transactions per statement cycle.

  • Free Online Banking
  • Free E-Statements
  • Minimum balance to open account of $25.00
  • Funds insured by FDIC to $250,000
  • Service charge offset with earnings credit on balances maintained
  • Account Analysis will be used to determine service charges – visit our new accounts representative for details

Business Banking:

  • Minimum to open is $100.00
  • $10.00 Monthly Service Charge
  • $.10 per debit
  • Online and Mobile Banking (restrictions may apply)
  • Business MasterCard Debit Card available

*This account may be subject to the Commercial Account Analysis Program, designed for high activity commercial customers.

Commercial NOW Account:

  • Minimum to open is $1,000
  • Interest Bearing Account
  • Monthly Service Charge
    • Balance of $1,000 and above – No charge and unlimited transactions
    • Balance below $1000 – Service charge of $12.00 and $.10 per debit item for statement cycle
  • Online and Mobile Banking (restrictions may apply)
  • Business MasterCard Debit Card available

BUSINESS SAVINGS


MONEY MARKET, SAVINGS, & SERVICES

Commercial Money Market Savings:

  • Minimum to open is $1,000.00
  • $15.00 Monthly Service Charge if balance falls below $1,000.00
  • Unlimited Withdrawals in Person
  • Online and Mobile Banking (restrictions may apply)

Transaction Limitations: During any calendar month or statement cycle, transaction counts may not exceed more than six withdrawals or transfers to another account of yours or to a third party by means of preauthorization or automatic transfer or telephone order or instruction or by check, draft, debit card, or similar order to a third party. Account will be subject to closure or modification if limitations are exceeded. A $15.00 fee for each excessive withdrawal will apply.

Commercial Savings:

  • Minimum to open is $100.00
  • $5.00 charge per quarter if balance falls below $100
  • Six withdrawals per month allowed
  • $5.00 excessive withdrawal fee in excess of six transactions
  • Online and Mobile Banking (restrictions may apply)

Transaction Limitations: During any calendar month or statement cycle, transaction counts may not exceed more than six withdrawals or transfers to another account of yours or to a third party by means of preauthorization or automatic transfer or telephone order or instruction or by check, draft, debit card, or similar order to a third party. Account will be subject to closure or modification if limitations are exceeded.

Business Money Market:

The First Texas Business Money Market account has a tiered interest rate determined by the average daily balance maintained.  Transaction limitations are applied to this account.  Please contact us for current rates and additional account terms and conditions.

  • $5,000 to open
  • $5,000 average daily balance required
  • Monthly service charge will apply if balance requirement is not met
  • Excessive transaction fees may apply

First Texas Business Savings:

A great way to allow a business to separate funds from daily operations.

  • Free Online Banking
  • Free E-Statements
  • Interest bearing
  • Minimum to open account: $100.00
  • $8.00 service charge per quarter if the balance falls below $300 for any day during the quarter
  • An excessive debit fee of $2.00 will be charge for each debit in excess of six per quarter
  • Transaction limitations: Transfers from the savings to another account or to third parties by preauthorized, automatic, telephone or computer transfers are limited to six per month.

Business Savings Account:

Our Business Savings Account is a great way to set funds aside for your business to plan for the future.  Transaction and balance limitations are applied to this account.  Please contact us for current rates and additional account terms and conditions.

  • $100 to open
  • $1,000 average daily balance required
  • Monthly service charge will apply if balance requirement is not met
  • Excessive transaction fees may apply

First Texas Money Market Savings:

This account has tiered interest rates based on the balance maintained.

  • Free Online Banking
  • Free E-Statements
  • Interest bearing
  • Minimum to open account: $2,500.00
  • If the balance drops below $5,000.00 any day during the statement cycle, the monthly service charge is $10.00
  • An excessive debit fee of $10.00 will be charged for each debit in excess of six per statement cycle.
  • Transaction limitations: Transfers from the money market account to another account or to third parties by preauthorized, automatic, telephone or computer transfers are limited to six per month.

Non-Profit Business Checking:

If you are looking for a business account to support your non-profit business or association, our First Texas Non-Profit Business Checking is designed to provide an affordable option to meet your non-profit needs.  Please contact us for additional account terms and conditions that may apply.

  • $100 to open
  • No minimum balance required
  • Unlimited transactions
  • No monthly service charge

First Texas Certificate of Deposit:

Our highest yielding investment instruments.

  • Free Online Banking
  • Minimum to open account $500.00
  • Competitive, guaranteed rates for the term
  • Fixed terms up to one year
  • Flexibility in interest payments
  • Special “Jumbo” rates available
  • Additional information, requirements and restrictions upon request

VARIOUS SERVICES

Certificate of Deposit:

First Texas Bank offers a variety of terms, up to 12 months.  All CDs are setup for automatic renewal for your convenience.  Please contact us for current rates and additional account terms and conditions.

  • $1,000 to open (jumbo rates apply for CDs with balances $100,000 or greater)
  • Penalty may apply for early withdrawal

Safe Deposit Boxes:

Need a place to keep your valuables, important documents, or digital storage backups? We have a variety of sizes of safe deposit boxes at the following locations. Please contact us for box sizes, availability, and applicable terms and conditions.

  • 900 S. Austin Ave, Georgetown, TX
  • 5321 Williams Dr, Georgetown, TX
  • 480 Del Webb Blvd, Georgetown, TX
  • 500 Round Rock Ave, Round Rock, TX