Business Checking Accounts

National Bank & Trust makes it simple for you, with a variety of accounts tailored to meet different needs. We know that people come in all shapes and sizes and so do our checking accounts. We hope that you find an account that fits your needs and lifestyle. Do you write a lot of checks each month, or just a few? What kind of balances do you usually keep? Is earning interest a priority?

When you choose a National Bank & Trust checking account that matches your own financial style and purpose, you'll be making the most of your money.

To open a Checking Account Call a New Accounts representative at
(979) 968-4506 or (800) 330-3136

Standard Overdraft does not apply to everyday debit card and ATM transactions unless you opt in.  To opt in, a signed form is required.  See a New Accounts Representative for details.

Other Overdraft Protections Plans Available.


Regular Business Checking

Designed for businesses with limited activity.

  • Minimum balance of $100.00 to open account
  • Unlimited check writing
  • Monthly service charge incurred if daily balance falls below $500.00
  • No per item charge
  • Non interest bearing account
  • No monthly service charge on accounts with five or less withdrawals during a statement cycle
  • Monthly statements with check images

Business Now

For businesses that can legally earn interest (self-employed, sole proprietorships, and nonprofit organizations), Business NOW combines great rates with convenient access to your business funds.

  • Minimum balance of $1,000.00 to open account
  • Unlimited check writing
  • No per item charge
  • Monthly service charge incurred if daily balance falls below $1,000.00
  • Monthly statement with check images
  • Interest compounded daily and paid monthly on daily balances of $1,000.00 or more
  • Interest rate subject to change

 

Business Money Market

  • Mnimum balance of $2,500.00 to open account
  • Unlimited deposits
  • Monthly service charge incurred if daily balance falls below $2,500.00
  • Up to 6 withdrawals per statement cycle
  • Interest compounded daily and paid monthly on daily balances of $2,500.00 or more
  • Tiered rate based on balances
  • Interest rates subject to change
  • Monthly statement with check images

Commercial Business Checking

Designed for businesses with higher levels of checking activity. This account offers maximum flexibility and convenience. Monthly fees are determined by your account activity, including checks written, deposits made, and banking services used. National Bank & Trust will calculate an "earnings credit" (calculation is based on the month-end rate of the 13-week auction of short term U.S. Government treasury bills as posted in the Money Rates section of the Wall Street Journal on the last business day of each month). If the value of your earnings credit is less than your account activity fees, your account will be assessed the difference.

  • Minimum balance of $100.00 to open account
  • Non interest bearing account
  • Monthly statement with check images
  • Subject to account analysis