No Checking Account Works Harder for Your Success
Choosing a bank for your business is more than a matter of convenience. It’s a sign of trust. Our clients choose PlainsCapital for products that work and service that makes a difference.
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Commercial
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Business Plus |
Business Interest |
Business Free |
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Best for you if your business has... |
High balances, high volumes, and sophisticated Treasury Management needs |
Moderately high balances, moderately high volumes, and some Treasury Management needs |
Basic banking needs, no Treasury Management needs, and a desire to earn interest |
Basic banking needs, lower volumes, and no Treasury Management needs |
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Minimum daily balance to avoid monthly maintenance fee |
None |
None |
$1,500 |
None |
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Monthly maintenance fee |
$17 |
$12 |
$10 if minimum balance not met |
None |
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Minimum opening deposit |
$100 |
$100 |
$1,500 |
$100 |
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Interest |
None; sweeps available1 |
None; sweeps available1 |
Yes; flat rate on balances $1,500 and over |
None |
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Earning Credit |
Included |
Included |
None |
None |
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Deposited items without a fee |
Speak with a PlainsCapital representative for more information |
200 per month2 |
100 per month2 |
100 per month3 |
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Non-Card Transactions without a fee |
Speak with a PlainsCapital representative for more information |
100 per month4 |
100 per month4 |
100 per month4 |
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Change Orders without a fee |
Speak with a PlainsCapital representative for more information |
$10,000 currency and 10 coin rolls per month5 |
$5,000 currency and 5 coin rolls per month5 |
$5,000 currency and 5 coin rolls per month5 |
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Cash Deposited without a fee |
Speak with a PlainsCapital representative for more information |
$10,000 per month6 |
$5,000 per month6 |
$5,000 per month6 |
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Online Bill Payments without a fee |
Speak with a PlainsCapital representative for more information |
10 per month7 |
10 per month7 |
10 per month7 |
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Access to full suite of advanced services |
Access to Treasury 1.0 and 2.0 packages; other services available |
Not available |
Not available |
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Yes |
Yes |
Yes |
Yes |
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Online Banking |
Access to TreasuryHQ |
Access to TreasuryHQ |
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PlainsCapital ATMs |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
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Debit Card Transactions |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
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Business Debit Card |
Yes |
Yes |
Yes |
Yes |
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No additional fee for eStatements8 |
Yes |
Yes |
Yes |
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Yes |
Yes |
Yes |
Yes |
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FDIC Insurance |
Insured up to the maximum allowable by law |
Insured up to the maximum allowable by law |
Insured up to the maximum allowable by law |
Insured up to the maximum allowable by law |
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Discretionary Overdraft Privilege Service |
Not Available |
Available |
Available |
Available |
1 Sweep fees apply.
2 The fee for each additional deposited item is $0.15.
3 The fee for each additional deposited item is $0.20.
4 The fee for each additional non-card item is $0.50.
5 The fee for each $1,000 in currency beyond the monthly allowance is $0.50, and the fee for each coin roll beyond the monthly allowance is $0.08.
6 The fee for each $1,000 deposited beyond the monthly allowance is $1.
7 The fee for each additional online bill payment beyond the monthly allowance is $1.
8 Standard statement fees apply.