BUSINESS BANKING

SMALL BUSINESS ACCOUNTS

Bank of Houston offers a small business checking account with:

• Monthly image statement
• 24 hour automated customer service

$200.00 Opening Deposit

Activity Service Charge:
$12.00 monthly activity service charge if the account average collected balance falls below $5,000.00

First 200 monthly account transactions are free, with a .20 “per item” fee for any transaction over 200. This would include checks, debits, deposit slips, deposited items and credits.



COMMERCIAL NOW ACCOUNT
(Non-profit and Sole Proprietor only)

Bank of Houston offers businesses an interest bearing NOW account with:

• Monthly image statement
• 24 hour automated customer service
• Business Visa Debit Card

$250.00 Opening Deposit

Activity Service Charges:
$10.00 monthly activity service charge.
“Per item” fees as follows:
.15 for each debit transaction
.12 for each credit transaction



COMMERCIAL MONEY MARKET ACCOUNT

Bank of Houston offers businesses an interest bearing money market account with:

• Monthly image statement
• 24 hour automated customer service

$2,500.00 Opening Deposit

Tiered rate structure. Interest is compounded monthly. Interest is paid on the statement cycle date. The interest
Rate may change at any time.

The daily collected balance must exceed $2,500.00 to accrue interest for that day.

You may only make 6 transfers from your account each month, of which only 3 can be checks to 3rd parties. A $10.00 “per item” fee will be assessed for each transaction over these limits. Bank of Houston reserves the right to close or re-classify your account if these limitations are exceeded on a recurring basis.

MMA Tiers:
$ 2,500.00 – 49,999.99
$ 50,000.00 - 99,999.99
$ 100,000.00 - 499,999.99
$ 500,000.00 – 999,999.99
$ 1,000,000.00 – 1,499,999.99
$ 1,500,000.00 – 1,999,999.99
$ 2,000,000.00 and over


Activity Service Charges:
$10.00 monthly activity service charge if the average collected balance falls below $2,500.00.



COMMERCIAL ACCOUNT ANALYSIS

Bank of Houston offers businesses a commercial “account analysis” checking account with:

• Monthly image statement
• 24 hour automated customer service

$200.00 Opening Deposit

Activity Service Charges:
$12.50 monthly maintenance charge
.10 charge for any deposited item
.15 charge for any paid check
.30 charge for all deposits
.10 charge for each coil roll
.25 charge for each bill strap

Earnings Credit:
The earnings credit is based on a variable rate per $100 in average collected balances in your account. This rate may be changed at any time without prior notice.


CASH MANAGEMENT

Bank of Houston’s Cash Management products allow you the flexibility and functions you need to control your business’s finances. Access your accounts, manage your cash, process payroll, initiate wire transfers and pay invoices online.

For information call a Bank Representative @ 713-789-6100.

Other Cash Management functions include:

Lockbox Services
Every day, incoming receipts are picked up at the Post Office and deposited into the business account, minimizing collection float. View detail account of funds online.

Sweep Accounts
Assume greater control over your cash position and eliminate the need to monitor balances for multiple accounts.


BANKING SERVICES

Visa Debit Cards
Credit Cards
Merchant Services
Wire Transfers
Direct Deposits
Eagle Express
On site ATM
Night Depository
Safe Deposit Boxes
Treasury Tax and Loan payments accepted