Compare Business Checking Accounts

Accounts built with your business in mind, to fit YOUR needs

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Simply Free Checking

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Simply+ Checking

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Commercial Checking

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Initial Deposit1
$50
$50
$50

Earn Reward Points
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Earns Competitive Dividends2
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No Minimum Balance
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$5,000
$5,000

1,000 FREE monthly transaction items3
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15¢

$10,000 currency deposited per month FREE4
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50¢ per $1,000

Digital Banking Access with Mobile Deposits and Bill Pay
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Mobile Contactless Payments
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No Monthly Fee
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$65
$15

No Per Check Charge
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Free Card Control & Budget App
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Access to 55,000 surcharge-free ATMs6
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Your funds are secure with Texas Bay
Texas Bay Credit Union is federally insured by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. Government.  Your deposit/shares at Texas Bay are insured up to $250,000, an amount equal to the insurance protection offered by the FDIC. Generally, if a credit union member has more than one account in the same insured Credit Union, those accounts are added together and are issued up to $250,000; however, there are exceptions.

Protecting your savings with the highest level of security available is one of Texas Bay Credit Union’s major objectives. That is why we combine your federal deposit insurance coverage with excess deposit insurance protection from Excess Share Insurance(Opens in a new Window) (ESI).

In addition to your accounts being covered by the NCUA to a limit of $250,000, ESI provides an additional $250,000 of savings protection to each qualifying 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. 4Includes coin and currency.  If the Simply FREE Business or Simply+ Business account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.  5A $6 monthly fee will be assessed if the minimum falls below $5,000. 6ATM – 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.