Standard Features
- Free ATM Transactions at all CapTex Bank and Money Pass*** locations
- 24 Hour Telephone Banking
***MoneyPass ATM Network offers surcharge-free transactions to cardholders in the MoneyPass Network. This gives cardholders access to surcharge-free withdrawals at participating ATMs. There are over 1,300 MoneyPass ATMs at other financial institutions and retail locations in Texas and 24,000 surcharge-free MoneyPass ATMs across the country. To find locations of surcharge-free ATMs, check out www.moneypass.com or download the MoneyPass ATM Locator app. A surcharge is a fee imposed by an ATM owner.
Economy Commercial Account
| Minimum to open | $100.00 |
| Monthly Maintenance Fee | $5.00 |
| Overdraft Fee * | $25.00 |
| Return Item Fee per Presentment * | $25.00 |
| Stop Payment Fee | $25.00 |
| Per item fee over 150 | $0.50 - 150 items (total checks, deposits and deposited items) |
*An overdraft or return item fee of $25.00 will be charged per item for covering overdrafts created by check, in-person withdrawal, ACH or other electronic means excluding ATM/Debit card transactions. Be aware that such an item may be presented multiple times and an overdraft fee may be charged each time an item or payment is presented against insufficient funds.
Regular Commercial Account
| Minimum to open | $200.00 |
| Monthly Maintenance Fee | $15.00 |
| Per Debit Charge > 50 | $0.30 |
| Per Credit Charge > 15 | $0.30 |
| Per Item Deposit > 100 | $0.30 |
| Overdraft Fee * | $25.00 |
| Returned Item Fee per Presentment * | $25.00 |
| Stop Payment Fee | $25.00 |
Maintenance fee waived if average daily balance of $5,000.00 is maintained throughout the month.
*An overdraft or return item fee of $25.00 will be charged per item for covering overdrafts created by check, in-person withdrawal, ACH or other electronic means excluding ATM/Debit card transactions. Be aware that such an item may be presented multiple times and an overdraft fee may be charged each time an item or payment is presented against insufficient funds.
Commercial Analysis Account
| Minimum to open | $200.00 |
| Monthly Maintenance Fee | $13.00 |
| Per Debit Charge | $0.15 |
| Per Credit Charge | $0.30 |
| Per Item Deposit | $0.09 |
| Overdraft Fee * | $25.00 |
| Return Item Fee per Presentment * | $25.00 |
| Stop Payment Fee | $25.00 |
| Deposit Item Return Charge | $3.00 |
| Rolled Coin | $0.10 |
| Strapped Currency | $0.20 |
*An overdraft or return item fee of $25.00 will be charged per item for covering overdrafts created by check, in-person withdrawal, ACH or other electronic means excluding ATM/Debit card transactions. Be aware that such an item may be presented multiple times and an overdraft fee may be charged each time an item or payment is presented against insufficient funds.
Earnings credit at 91-day T-bill rate calculated on average available collected balance but will not exceed total analysis charges. A deficient balance charge will be assessed monthly at a rate of prime plus one, determined by the Wall Street Journal.
