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Simple Business Checking Houston Companies Turn to

With Central Bank business checking, Houston businesses have options. Since 1956, our financial experts have partnered with Houston-area businesses to provide checking services that make it easy to manage funds — and analysis to keep your company on track to reach your goals. Read on for a quick overview of our available options, and to find the right fit for your company.

Business Checking Overview

  Business Checking Business Checking w/ Account Analysis Business Money Market Checking
Opening Balance $100 $100 $2,500
Balance for No Fee $5,000 N/A $2,500
Fee if Below Balance $10 N/A $15
Other Monthly Fees First 250 POS, check, debit or transfer transactions per month included

Additional transactions cost $0.35 each

No charge for deposits/credits
Call a Central Bank representative for associated fees

No charges for deposits/credits or item deposited

Earnings credit to offset fees



Gain a Deeper Understanding of Central Bank Business Checking, Houston

Basic Business Checking Services

Created to serve businesses of all shapes and sizes, a basic Central Bank commercial checking account provides you with what you need to oversee and access your company’s finances.

  • $100 Minimum Opening Balance
  • Zero Monthly Account Service Charge with $5,000 Minimum Daily Balance
    • $10 Monthly Service Charge Fee for Accounts Below Minimum Amount
  • Access to Central OnLine web-based banking
  • Free Monthly eStatement with Images
  • Visa Business Check Card
  • First 250 POS, Check, Debit and Transfer Transactions Free Per Month
    • $0.35 Per Transaction After

Account Analysis

Central Bank account analysis services are ideal for businesses that maintain a high balance, carry out a moderate to high number of monthly transactions and utilize Treasury Management products.

Please Note:
Earnings credits are set monthly and tied to your 90-day treasury bill (T-bill.) For earnings credits that exceed accrued fees, no service charge will be assessed for the month. For earnings credits lower than accrued fees, the deficit will be charged to your account.

Service Charges:
An earnings credit is calculated at the end of each month. The amount is calculated based on the account’s average collected balance for the reserve requirement. Negative collected balances will be calculated at the Central Bank Prime Rate + 3% on the average negative collected balance. That earnings credit is then applied to the accrued fees for the month. Accrued fees are charges for account maintenance, transaction activity fees and any other account services or fees.



Business Money Market Checking

Central Bank business money market checking was designed for those who write a minimum number of checks, and who would like to earn interest.

  • $2,500 Minimum Opening Balance
  • Zero Monthly Account Service Charge with A $2,500 Minimum Daily Balance
    • $15 Monthly Service Charge Fee for Accounts Below Minimum Amount
  • Free Monthly eStatement With Images
  • Access to Central Online Web-Based Banking

Please Note:
Interest rates are based on the daily collected balance. Tiered rates allow you to earn a higher rate as your balance increases.

Deposit Reclassification
Under federal law, Central Bank is required to report deposits in a certain way for regulatory reporting purposes. We are simply changing the way we report checking accounts and we are notifying you of this change. This change does not affect you in any way, and no action is required.

Effective immediately, the bank may make a change in your checking account that will not affect your available balance, interest earnings, FDIC insurance or bank statement. This change will consist of a checking sub-account and a savings sub-account. Central Bank may periodically transfer funds between the two sub-accounts. On a sixth transfer during a calendar month, any funds in the savings sub-account will be transferred back to the checking sub-account. If an account pays interest, your interest calculation will remain the same. Otherwise, the savings sub-account will be non-interest bearing. The savings sub-account will be governed by the rules governing our other savings account.


Insured Cash Sweep (ICS)

Insured Cash Sweep (ICS) service gives you peace of mind by allowing access to multi-million-dollar FDIC protection for your demand accounts, money market deposit accounts — or both. Enjoy unlimited program withdrawals with the ICS demand option, or up to six program withdrawals per month with ICS money market deposit options.


Have Additional Questions?


Lost or Stolen Debit Card?

Report your issue immediately so that we can block your card and request a replacement.

During Business Hours: 832.485.2515
After Hours: 800.500.1044



Ready to Get Started?

We’re here to help with your business checking, Houston! Since 1956, our financial experts have partnered with Houston-area businesses to provide checking services that make it easy to manage funds — and analysis to keep companies on track to reach their goals.

Contact Us


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