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United Texas Bank
United Texas Bank Online Banking
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Reduce or eliminate fees entirely with our Commercial Checking – an analyzed checking account that’s as dynamic as your business. We know how to streamline money management with all of the convenient services you’d get at a bigger bank, but backed by the personal touch of local business bankers.



How it Works

Each month, your commercial checking account is analyzed by calculating the average monthly ledger balance and subtracting the uncollected funds (float).

The remaining balance is your average collected balance. The legal reserve requirement is then deducted to provide the amount that we can invest. We then assign an earnings credit (which varies monthly) to arrive at the earnings on your account for the month.

Monthly expenses associated with the account are then deducted from earnings. If earnings on your account exceed the expenses, there is no monthly service charge. If expenses exceed the account earnings, there will be a charge to your account for the difference.

Normal account opening criteria apply.
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Cash Management

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