BUSINESS SERVICES
At North Texas Bank, our goal is to find a way to satisfy your
individual business needs. Every business has different requirements
and our job is to personally understand what those requirements are
and then guide you in selecting the relevant products that best meet
those needs. We will be your financial partner and work diligently to
make your business better through our long term relationship.
A list of the business banking products and services we offer is shown
below.
TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY
LAUNDERING ACTIVITIES, Federal law requires all financial institutions
to obtain, verify, and record information and identify each person who
opens an account. What this means to you: When you open an account, we
will ask for your name, address, date of birth, and other information
that will allow us to identify you. We may also ask to see your
driver’s license or other identifying documents.
Business Checking
Small Business Checking
A business checking account designed for the small business owner with
low activity volume and low minimum balances.
- $100 minimum deposit to open account
- $2,500 minimum daily balance to avoid service fees
- $10 service fee if minimum daily balance is not met
- Up to 100 deposited items and/or checks per month
- Excessive item fee of $.15 per item
- Free North Texas Bank business check card
- Free 24 Hour Telephone Banking Services
- Imaged Statement
Business Checking
The North Texas Bank business checking account is for small to midsize
businesses with average activity volumes who do not want an analyzed
account. This account features a flat monthly fee.
- $100 minimum deposit to open account
- $15 flat monthly service fee
- Up to 300 deposited items and/or checks per month
- Excessive item fee of $.15 per item
- Free North Texas Bank business check card
- Free 24 Hour Telephone Banking Services
- Imaged Statement
Commercial Account Analysis
This account is for all high activity volume customers. An earnings
credit is paid on collected balances which offsets or eliminates
service fees based on activity. Multiple accounts can be set up on
commercial account analysis to minimize service charges.
- $100 minimum deposit to open account
- $15 monthly service fee plus activity charges
- An Earnings Credit is offered monthly to offset account changes
Business Money Market Checking
Our business money market checking account pays interest and offers
you the ability to write up to three checks per month. Deposit
balances determine interest rates.
- $2,500 minimum deposit to open account
- $2,500 minimum daily balance to avoid service fees
- $15 service fee if daily balance is below $2,500
- Interest is earned on daily collected balance
- Check writing and withdrawal limitations: Government Regulations permit 6
transfers and withdrawals per statement cycle; up to 3 transactions
may be made by check, draft or debit card, the remainder may be
pre-authorized (automatic) transfers
- Excessive withdrawal fee of $15 per transaction
- Free 24 Hour Telephone Banking Services
- Imaged Statement
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Business Savings
Business Savings
A North Texas Bank business savings account is a good way for your
business to start a savings program. The low minimum balance
requirement makes it affordable and convenient.
- $500 minimum deposit to open account
- $500 minimum daily balance to avoid service fees
- $5 service fee if minimum daily balance is not met
- Interest is earned on daily collected balance
- Withdrawal Limitations: Government Regulations permit 6
transfers and withdrawals per month; up to 3 transactions may be
made by check, draft or debit card, the remainder may be
pre-authorized (automatic) transfers
- Excess withdrawal fee of $5 per transaction
- Free 24 Hour Telephone Banking Services
- Quarterly statement*
*Monthly statement when there are automatic transfers, ATM
transactions or if customer receives a combined account statement.
Business Premier Moneyfund
A North Texas Bank business premier moneyfund account is a premium
savings account for our valued business customers. This account is
more liquid than a CD with a competitive rate of interest.
- $10,000 minimum deposit to open account
- $10,000 minimum daily balance to avoid service fees
- $20 service fee if minimum daily balance is not met
- Interest is earned on daily collected balance
- Limited to 4 internal withdrawals per month
- Excess withdrawal fee of $20 per transaction
- Free 24 Hour Telephone Banking Services
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Certificate of Deposit
Certificate of Deposits (CD’s)
- Minimum deposits as low as $1000
- Terms from 30 days to 60 months
- A variety of interest payment options available
- Jumbo rates available (over $100,000)
A variety of options available for fixed term investing with the
security of the Federal Deposit Insurance Corporation (FDIC) make this
investment product popular. Please call North Texas Bank today to
arrange a meeting with a personal banker for more information or to
open an account.
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Business Loans
North Texas Bank makes it convenient and easy to borrow for any
purpose. We offer a complete range of loan products while delivering
personal, professional customer service. All credit decisions are made
right here in Decatur in an expedient manner. North Texas Bank can
assist you with the following types of business loans:
- Agricultural Loans including Real Estate
- Equipment Financing
- Letters of Credit
- Real Estate Construction Financing
- Real Estate Development Financing
- Real Estate Permanent Financing
- Small Business Administration Loans
- Working Capital Lines of Credit
North Texas Bank is an equal housing lender. Different rates and fees
apply to each product with full disclosures given at the time of
application. Credit services are subject to approval.
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Other Services
North Texas Bank cares about you and about first class service.
Therefore, we offer the following services to make your life easier
and allow you to conduct your banking on your schedule, not ours.
North Texas Bank Business Visa Check Card
- Use at any ATM displaying the PULSE™ or Cirrus™ logo
- Use like a credit card at any merchant displaying the Visa™ logo
- Funds are automatically deducted from your checking account
- No monthly or annual fee
North Texas Bank 24 Hour Bookkeeper
Our 24 Hour Bookkeeper allows you to have access to your account
information 24 hours a day, 7 days a week. Call as often as you like;
there is no charge for the call or transactions. Using any touch-tone
telephone, you can get up to date information by calling the toll free
number 877.445.CALL (877.445.2255). You can check your balance, see if
a check has cleared, transfer funds, make loan payments and more.
North Texas Bank Personal Service
When you call North Texas Bank during business hours, a live person
will answer the phone, courteously greet you, and assist you with your
call or request. Some things just cannot be replaced and personal
attention to your call is one of them.
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