Commercial NOW Account

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 or download the MoneyPass ATM Locator app. A surcharge is a fee imposed by an ATM owner.

Balance & Fees

For Sole Proprietors, Public Funds, Pension Funds, Trust and other eligible fiduciary accounts and non-profit organizations.

Minimum to open$1,500.00
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

Maintenance fee waived if average daily balance of $5,000.00 is maintained throughout the month. This account earns the same interest rate as our Personal NOW account. Account fees could reduce earnings. This account is allowed 5 free deposits, 10 free checks, and 25 free 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.