Business Products and Services
Selecting a deposit plan that is right for your company is simple when working with one of our Account Representatives that is experienced in assisting you with your business banking needs. We will guide you through the process and let you know about the many services we have available at First Texas Bank.

Checking & Savings
Basic Commercial Checking Account
This account is designed for businesses with low transaction volumes.

  • No monthly service charge if minimum daily balance or average balance balance is maintained.
  • Low minimum opening balance
  • Affordable fees
    * Please contact us to obtain a product disclosure for this account.

Full Analysis Commercial Account
This account is for businesses with high volume activity. This service focuses on the total relationship a business has with our bank. Deposit balances earn credits that are used to offset service charges on your accounts. Use the account analysis statement information to manage your funds in the most beneficial manner for your company.
* Please contact us to obtain a product disclosure for this account.

Sole-Proprietor and Non-Profit Organization Interest Checking

Commercial NOW Account
Designed for sole-proprietorships, non-profit organizations and nonprofit corporations who want to earn interest on their account.

  • Interest paid monthly
  • No monthly service charge if minimum daily balance is maintained
    * Please contact us to obtain a product disclosure for this account.

Commercial Money Market Account
The Money Market Account earns an even higher rate of interest while maintaining complete liquidity.

  • Interest paid monthly
  • No monthly service charge if minimum daily balance is maintained
  • Completely Liquid
  • Limited check writing (* see Restrictions)
    * Please contact us to obtain a product disclosure for this account.

Commercial Savings Account
Earn a steady rate of return with this traditional savings account.
Interest compounded daily and paid quarterly

  • Low daily balance requirement to avoid service charge
  • Up to three withdrawals per month at no charge
    * Please contact us to obtain a product disclosure for this account.
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CDs
Certificates of Deposit
Competitive rate, fixed term certificates of deposit offer a safe option for clients who do not need immediate access to their funds.

  • Guaranteed rate for the term
  • Terms from 30 days up to 2 years
  • Choice in interest payment - monthly, quarterly, annually or at maturity
    * Please contact us to obtain a product disclosure for this account.
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Cash Management Services
Merchant Bankcard Services
Accepting credit cards as a form of payment is a necessity in today's business world. We can provide you with the equipment and support to enable you to serve your customers efficiently while minimizing your risk.

Electronic Funds Transfer
The fastest means of transferring funds between banks is an electronic funds transfer. We offer two types - Automated Clearing House (ACH) for recurring transactions and wire transfers. Accelerate the availability of funds and improve cash management forecasting with these valuable tools.

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We have a commitment to provide quality service and a full range of credit products to our business clients. From lines of credit to commercial real estate loans, we have the loan that fits with your company's business objectives. Talk with one of our banking professionals to learn how First Texas Bank can design a program specifically suited to meet the needs of your company.

Accounts Receivable Financing
Get faster access to your sales receipts by financing your accounts receivable. Many businesses have seasonal cash flow needs. With this type of financing, receivables or inventory become an additional source of collateral, allowing your business to better manage cash flow needs caused by sales growth or seasonal changes.

Lines of Credit
A convenient source of additional funds to help with the day-to-day changes in your cash flow. Have the confidence of knowing that the cash is available if the need arises with this flexible source of financing.

Working Capital
If you are considering expanding your business, a working capital loan might provide the right fit. This loan allows for fixed monthly payments over a specific term to meet you business objectives.

Equipment Financing
We can provide the financing for the acquisition of equipment, new or used. This term loan is secured by the equipment.

Letters of Credit
Letters of Credit are available, see your First Texas Bank Lending Professional for further details.

Small Business Administration Loans (SBA)
First Texas Bank offers SBA loans to assist small and medium sized businesses in equipment purchases, real estate acquisition, working capital and a variety of other needs. These loans are available for both start-up and existing businesses. See your First Texas Bank Lending Professional to see which programs best suit your needs.

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First Texas Bank offers these convenient services to help you get the most out of your time and money.

ATM (Automated Teller Machine)
Get cash on the go at any First Texas Bank or anywhere you see the Pulse, Plus or Moneymaker network logos. See locations.

Automatic Transfers
You can have transfers made automatically to and from your other FTB accounts. Simply pick the date and amount, and let us do the rest.

Bank-by-Mail service
Enjoy the convenience of making deposits from home by simply using the mail.

Direct Deposit
What could be easier than having your payroll, Social Security or other recurring deposit made to your account safely and automatically each month? With direct deposit, you eliminate unnecessary trips to the bank while ensuring immediate access to your funds.

First Texas Card
Is your key to convenience. Like an ATM card, your First Texas Card is linked to your checking account. And, you can use your First Texas Card just like a credit card to make purchases anywhere that MasterCard is accepted. Instead of charging purchases, the amount is deducted automatically from your checking account.

Night Depository
Make your deposit any time, day or night at any one of our branch locations.

Overdraft Protection
Make a mistake? Don't worry, you can use the funds in your First Texas Bank savings account for overdraft protection. Ask us how.

Ready Credit
Ready Credit is a line of credit that works with your First Texas Bank personal checking account. With Ready Credit you have the assurance of knowing that inadvertent overdrafts will automatically be covered, up to your credit limit. Or use this line of credit for a little extra cash when you need it.

Safe Deposit Boxes
Need a safe place to keep valuables or important papers? Safe deposit boxes are available for a small annual fee.

Timeless Teller - Telephone Banking
Access First Texas Bank's Timeless Teller from any touch tone telephone. You will be guided step by step through a menu of choices. Keeping track of your checking, savings, or loan has never been easier! Just call (512) 873-6060 for the Timeless Teller automated service.

Travelers Checks
Going out of town? We sell Travelers Checks for your protection and convenience.

U.S. Savings Bonds
We offer both purchase and redemption service for US Savings Bonds. Just stop by and see one of our customer service representatives.

VISA/MasterCard
It only makes sense to carry the credit card from the place that cares about your financial concerns. No annual fee. Worldwide Acceptance. 24 hour toll-free customer service. Ask for an application today!

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