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Business Checking

First National Bank Texas Business Debit Card.

Business Checking—
commit to your vision.

Accounts designed with the various needs of
your business in mind. We strive to make
business banking easy and simple!

Shop owner proudly standing in their store.

Business First Checking

This account is a terrific option for any business. It's low cost, low maintenance and hassle free — perfect for upstart entrepreneurs and tenured business owners alike.

When you open your Business First Checking Account, your first 50 items deposited and $5,000 deposited in cash per statement cycle will be at no charge!

Avoiding a $15.00 monthly maintenance fee is easy. Simply complete 10 card purchases per statement cycle OR maintain a daily minimum balance of $250.

Please see the Banking Services & Fee Schedule for a full schedule of fees.

Visit a branch to open an account.

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Commercial Checking

A standard, commercial checking account designed for larger businesses with high transaction volumes and cash needs with the ability to offset cost with the Earnings Credit.

With no minimum balance and a low monthly maintenance fee of $15.00, this account is the right fit for growing businesses looking to save on costs.

Visit a branch to open an account.

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Commercial Checking with Interest

An interest bearing commercial account is a great option for larger, established businesses.

This is a great choice for businesses looking for a checking solution that gives you more. With your Commercial Checking with Interest Account, you will receive your first 20 checks/debits paid and first 50 items deposited at no charge per statement cycle!

Visit a branch to open an account.

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Non-Profit Organization Checking or Unincorporated Association / Club Checking Account

This account is perfect for charitable, religious, educational, or other tax-exempt organizations, associations and clubs that qualify.

Our bank is dedicated to helping non-profit organizations manage their funds. We know every dollar counts, so this account has no monthly maintenance fee and no charge for checks/debits paid and items deposited.

Proof of non-profit status will be required. Additional documentation may be requested depending on the classification of the organization. The bank reserves the right to reclassify a non-profit account or an Unincorporated Association/Club to a Commercial Checking Account if adequate proof of status is not available.

Visit a branch to open an account.

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Analyzed Commercial Checking

A checking account designed for high activity accounts with no volume restrictions.

Our Analyzed Commercial Checking account is designed for businesses with higher balances and greater cash management needs. Our account comes with analyzed statements so you can better understand and reconcile your activities on a monthly basis.

You can also offset monthly fees by maintaining certain account balances through an earnings credit. Please visit your local branch or contact Customer Support for account activity charges and fees.

See the Rate Sheet for current Analyzed Commercial Checking Earning Credit rate.

Visit a branch to open an account.

Shop owners talking with customers.

Commercial Money Market

An interest bearing checking account available to any business or organization.

The Commercial Money Market Account pays higher rates for higher balances. Per Item Withdrawal Fees for Money Market Accounts apply. When you open your Commercial Money Market Account, you will receive your first 20 items deposited at no charge per statement cycle!

Visit a branch to open an account.


Current Interest Rates

All accounts subject to Non-Sufficient Funds (NSF) Fee of $17 per Item and Overdraft Fee of $34 per Item, except for the eAccount and Power Stash.

See our Business Account Choices Brochure and Banking Services/Fee Schedule for additional account-related service fees.
DateTime: 05/10/2024 6:11:16 AM;