Texas Country Bank

Business Banking

A checking account is the core of your business activity. In today’s demanding economic and competitive environment a business checking account provides a safe and convenient way to receive and pay out funds. Our business accounts are designed to help meet the unique needs of your business. Your account will accumulate cash with competitive rates that grow along with your account balance. Put those excess funds to work! Your earnings may also offset service fees. Please feel free to call us at (512) 261-0035 in Lakeway, Texas or (830) 598-4444 in Granite Shoals, Texas.

Business Banking
Texas Country Bank Account	Bluebonnet Commercial Checking (non-interest bearing)	Bluebonnet Commercial Money Market
Minimum to open…	$1,000	$2,500
Monthly Service Fee…	$10 if daily balance falls below $2,500	$10 if daily balance falls below $2,500
Interest Bearing…	No	Yes, based on Tier level
Debit item (transaction) fees…	8 debit transactions FREE per month; An Item Fee of $1.00 for each debit transaction in excess of 8 per month applies. An Item Fee of $1.50 for each debit transaction at ATM’s we do not own or operate applies plus any fees assessed by the machine owner.	No transaction fees for accounts with a daily balance of $10,000 or more; Up to 6 debit transactions per month FREE; An Item Fee of $10.00 for each debit transaction in excess of 6 per month applies. An Item Fee of $1.50 for each transaction at ATM’s we do not own or operate applies plus any fees assessed by the machine owner.
Check Writing…	Unlimited	N/A
Overdraft Privilege…	Yes, for qualifying accounts	N/A
Secured Online Banking…	Yes	Yes
FREE AnyTime 24-hour telephone banking	Yes	Yes
Direct Deposit…	Yes	Yes
FDIC Insurance…	Yes	Yes
Account Disclosures…	N/A	Interest Calculation Method C Transaction Restrictions D

Interest Calculation Method C

We use the daily-balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to the account monthly. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. If you close your account before the interest is credited, you will receive the accrued interest. For the deposit of non-cash items, interest begins to accrue no later than the business day we receive credit for the item.

Transaction Restrictions D

Federal regulation (Reg. D) restricts the number of pre-authorized automatic or telephone transfer withdrawals made by computer, telephone, electronic terminal, ACH or some other similar devices to six (6) per statement cycle for this account. No more than three (3) may be by check, draft, debit card, or similar order to third parties.

New Page 1


Home \| About Us \| Contact Us \| Privacy/Security \| Online Banking \| Personal Banking \| Business Banking Loan Center \| Insurance Center \| Investment Center \| Useful Links \| Check Reorder \| Calculators \| Rates