Commercial Checking

Simple checking for businesses with complex needs

Texas Bay's Commercial Checking1 combines everyday checking services with added benefits for high activity businesses.


  • Competitive dividends2
  • Earnings credit allowance on deposit balances may offset activity fees
  • Only $15 monthly service charge
  • Transaction items are just 15¢ each3
  • Coin and currency deposits just 50¢ per $1,000
  • FREE Fraud control and budgeting tools
  • FREE Online eStatements
  • Debit card is Digital Wallet capable
  • No per check charge
  • Overdraft protection available
  • Deposit check through the Mobile App
  • Access to 55,000+ surcharge-free ATMs4
  • FREE Online bill pay
  • Up to $500,000 insurance on your account

Disclosures:
1Must be a Texas Bay member with a minimum $1 membership deposit and continuing balance. New checking accounts subject to approval. Minimum opening deposit is only $50. Program, rates, rewards, terms and conditions subject to change without notice.2Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings.3Transaction items include all debits and credits.  If the Simply FREE Business or Simply+ Business account exceeds 1,000 free monthly transactions, the account may be converted to another checking product. 4ATM - automated teller machine. Number of ATMs subject to change. Surcharge free ATMs limited to Texas Bay Credit Union ATMs and designated AllPoint Network ATMs. ATM must be in AllPoint network at the time of transaction. Other fees such as non-sufficient funds, overdraft, etc. may apply. See our full fee schedule for details. Credit union rules and regulations apply. Speak to a Credit Union representative for complete details.