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Business Accounts

Free Small Business

Business Analysis

Business NOW Interest Checking

Business Money Market

Business Savings

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Business Type Small businesses with fewer than 300 transactions per month All businesses Sole proprietors, public funds, trusts, and other eligible fiduciary accounts and nonprofit organizations All businesses All businesses
Interest n/a n/a Yes* Yes* Yes
Minimum to open $100 $100 $1000 $1000 $100
Monthly Maintenance Fee Free $12 $12 if minimum daily balance below $1500 $12 if minimum daily balance below $5000 $5 if minimum daily balance below $100 per quarter.
Per Transaction Fees
  • 300 items free
  • $ .35 per item if more than 300 debits, credits and deposited items per month.
  • $ .15/paper debit
  • $ .10/ACH debit
  • $ .35/credit
  • $ .10/item deposited


Other analysis fees may apply.

  • $ .15/paper debit
  • $ .10/ACH debit
  • $ .35/credit
  • $ .10/item deposited


Other analysis fees may apply.

  • Unlimited ATM and in-person withdrawals. Other transactions limited to 6 transfers and/or withdrawals per month.
  • Excess withdrawal fee $10 per item.
  • $ .30/deposit in excess of 10 deposits per month.
  • $ .10/deposited item in excess of 100 items per month.
  • Unlimited ATM withdrawals.
  • $2/item fee if 10 or more withdrawals per quarter.

Other Information

  • Overdraft Privilege available at  bank's discretion per  current Overdraft Privilege Policy
  • See Schedule of Fees if applicable
  • Free e-statements with images
  • Free paper statements without images
  • Combined statements for multiple accounts available upon request
  • Service fees based on monthly activity
  • Earnings credit  used to offset monthly service fees and charges
  • Earnings credit based on 91 day T-bill rate calculated on average collected balance less legal reserve
  • Combined analysis is available for multiple accounts
  • Free e-statements with images
  • Combined statements for multiple accounts available upon request
  • Service fees based on monthly activity
  • Earnings credit used to offset monthly service fees and charges
  • Earnings credit  based on 91 day T-bill rate calculated on average collected balance less legal reserve
  • Interest paid to account will be considered in service charge calculation
  • Free e-statements with images
  • Combined statements for multiple accounts available upon request
  • Free e-statements with images
  • Combined statements for multiple accounts available upon request
  • Rates subject to change daily
  • Daily Balance method used to calculate interest on the account
  • Interest compounds quarterly
  • Fees may reduce earnings
  • Free e-statements without images

American Bank of Texas may require not less than 7 days notice in writing before each withdrawal from an interest bearing account, other than a time deposit account, or from any other savings account as defined by Regulation D.

Withdrawals from a time deposit account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

* Rates subject to change daily. Daily balance method used to calculate interest on the account. Interest compounds monthly. Fees may reduce earnings