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Business Checking Accounts Designed for Your Company
Manage your business finances efficiently with Plains State Bank business checking accounts. Houston companies enjoy flexible accounts and personalized support.
Flexible Business Checking Solutions
Plains State Bank offers business checking accounts designed to meet the needs of small, medium, and large companies. If you run a sole proprietorship, a non-profit, or a high-activity business, we have an account option to support your operations.
Our business checking accounts provide tools to manage cash flow, track transactions, and handle payments efficiently. Houston business owners benefit from easy access to funds, competitive interest options, and professional support from our local team.
With accounts like Business Checking, Business Interest Checking, Commercial Account Analysis, and Business Money Market, you can choose the right mix of features, fees, and interest opportunities for your company. Each account offers flexibility, transparent pricing, and access to your funds when you need them.
Business Checking
Profile: small or medium sized companies, including sole proprietors; writes numerous checks
- Minimum to open – $100
- No monthly Maintenance Fee
- No minimum balance required
- Up to 100 transactions – free **
- 100+ transactions – .45 each
- Non-interest bearing
** Transactions include debits, credits and items deposited.
Business Interest Checking (non-profits & sole proprietorships only)
Profile: designed for non-profits and sole-proprietorships only
- Minimum to open – $100
- No monthly Maintenance Fee
- No minimum balance required
- Up to 50 transactions – free **
- 50+ transactions – .22 each
- Interest bearing
** Transactions include debits, credits and items deposited.
Commercial Account Analysis
Profile: for larger companies with higher balances and higher activity **
- Minimum to open – $500
- Monthly maintenance fee – $20
- An Earnings Credit is offered monthly to offset account charges
** Activities in all non-interest deposit accounts owned by a business customer are combined when calculating service charges. The balance in one account can compensate for the activities in others, thereby lowering or offsetting service charges.
Business Money Market
Profile: keep slightly larger balances while earning the highest possible interest in a transaction account (View current Money Market Rate)
- Minimum to open – $100
- Monthly Maintenance Fee – $15
- Minimum Daily Balance to avoid fee – $2,500
- Minimum Daily Balance to earn interest – $2,500
- Interest calculated daily, credited & compounded monthly
- Unlimited over the counter withdrawals
- Excessive withdrawal fee – $20 per transaction
To activate your debit card please call 1-866-633-5293
* Federal restrictions limit the number of debit/withdrawal transactions. You may make up to six pre-authorized, telephone transfers to other Plains State Bank accounts or to third parties each statement period. Each withdrawal thereafter will incur an Excessive Debit Fee of $20.00. Plains State Bank reserves the right to close or reclassify your account if these limitations are exceeded on a recurring basis.
Frequently Asked Questions
What Types of Business Checking Accounts Are Available?
We offer Business Checking for general use, Business Interest Checking for non-profits and sole proprietors, Commercial Account Analysis for high-activity accounts, and Business Money Market accounts for larger balances earning higher interest.
Are There Minimum Balance Requirements?
Most accounts have low minimums to open, ranging from $100 to $500. Certain accounts, like Commercial Account Analysis and Money Market, may require higher balances to avoid fees or earn interest.
How Are Transactions Counted?
Transactions include deposits, credits, and debits. Some accounts offer a set number of free transactions per month; additional transactions may incur a small fee.
Can I Earn Interest on My Business Account?
Interest is available on Business Interest Checking for eligible accounts and Business Money Market accounts with qualifying balances. Interest is calculated and compounded monthly.
Are There Fees?
Many accounts have no monthly maintenance fee. Certain accounts have fees for excessive transactions or low balances. Service charges are transparent, and account balances may offset some fees.
Can I Access Funds Easily?
Yes. Accounts come with debit cards and over-the-counter withdrawal options. Federal limits apply to certain transfer types, and excessive activity may result in fees.
How Do I Open a Business Checking Account?
Contact our Houston branch or visit our website to discuss account options. Our team will guide you to the best solution for your business needs.
Is Plains State Bank Local to Houston Businesses?
Yes. Our Houston staff provides personalized support and understands the needs of local businesses, from small startups to larger operations.
Can I Link Multiple Accounts Together?
Yes. Plains State Bank allows you to link multiple business accounts for easier management. Balances from one account can help offset fees on others, and transfers between linked accounts are simple and secure, giving you more control over your company’s finances.
Open Your Business Checking Account With Us
Simplify your Houston business banking with a Plains State Bank checking account. Contact our Houston branch or visit us online to choose the right account and start managing your company’s finances efficiently.