Unlimited transactions and low per-item fees, this checking account keeps up with your growth.
Ideal for businesses with larger transaction volumes
A commercial checking account provides a flexible, secure way to manage daily transactions, maintain cash flow, and support ongoing operations.
- Competitive account maintenance fees and the earnings credit can reduce or offset fees
- Unlimited monthly transactions at low per-item fees
- Free Mastercard® business debit card
- Overdraft coverage up to $750 available1
- $100 minimum deposit to open
Treasury Management Services
Treasury management solutions help streamline payments and collections, enhance fraud protection, and gain greater visibility and control over cash.
What makes our Commercial Checking account paired with Treasury Management Services unique is the seamless integration of everyday business banking with advanced cash optimization tools, designed specifically for growing companies like yours.
Unlike basic business checking accounts that stop at simple transactions, our bundled offering delivers real strategic value without the complexity or high costs often associated with enterprise-level treasury solutions.
Key Differentiators
Holistic Cash Visibility & Control — Real-time dashboards and reporting give you a complete, unified view of cash positions across multiple accounts, locations, or subsidiaries. This goes beyond standard online banking by providing actionable insights into liquidity, helping you spot opportunities or risks instantly.
Automated Liquidity Optimization — Features like automatic sweeps (e.g., zero-balance accounts, investment sweeps to interest-bearing options, or line-of-credit paydowns) move idle cash where it works hardest overnight—maximizing earnings while minimizing overdraft risks and manual intervention. Many competitors require separate setups or add-ons for this level of automation.
Streamlined Payments & Receivables — Robust ACH, wire transfers, positive pay for fraud detection, and remote deposit capture accelerate incoming funds and simplify outgoing payments (payroll, vendors, taxes). This reduces processing time, errors, and costs compared to manual or fragmented systems.
Advanced Fraud & Risk Protection —Tools like check fraud prevention, dual controls/approvals, positive pay, and real-time monitoring provide layers of security tailored to commercial needs—critical in an era of rising payment fraud—without needing third-party vendors.
Customization for Mid-Sized & Growing Businesses — Scalable and configurable to fit small-to-mid-sized operations, with user-friendly digital platforms. You get enterprise-grade features at accessible pricing, plus dedicated support from a treasury specialist who understands Texas-based businesses.
Efficiency & Cost Savings — By automating repetitive tasks, consolidating services into one account relationship, and optimizing cash flow, businesses often see reduced administrative burden, lower fees over time, and better forecasting—freeing resources for growth rather than paperwork.
In short, our product isn't just a checking account with some extras—it's a complete cash management ecosystem that turns financial operations into a competitive advantage. Many banks offer pieces of this puzzle, but few combine them as intuitively and effectively for businesses ready to level up their financial operations.
Business Services
Free business digital banking services, with Online Banking, Bill Pay, Mobile Banking, Mobile Deposit and eStatements.
1Automated Overdraft item fee of $32.00 imposed for each Automated Overdraft item. A fee may be imposed for paying overdrafts created by check, in-person withdrawal, ATM, POS, or other electronic means. You must bring account to a positive balance at least every 30 days. Typically, overdrafts will not be paid if account is not in good standing, you are not making regular deposits, or you exceed the predetermined overdraft limit. Payment of overdrafts is discretionary and we reserve the right not to pay.
