Skip to main content
Wealth Management Login Switch to TGB Locations Careers

Search form

ONLINE BANKING
Banking Login
Home
  • Home
  • Business Banking
    • Business Checking
    • Business Card Services
    • Online & Mobile Banking
    • Remote Deposit
    • Savings/CDs/Money Markets
    • Business Loans & Financing
      • SBA
    • Treasury Services
      • Receivable Solutions
      • Accounts Payable
      • Reporting
      • Cash & Liquidity Management
      • Business Wire Transfers
      • Risk Management
    • Tools & Advice
      • Starting My Business
      • Buying A Business
      • Managing My Business
      • Growing My Business
    • Forms
  • Personal Banking
    • Personal Checking
    • Personal Savings, CDs and IRAs
    • Loans
      • Auto/RV/Boat Loans
      • Home Loans
    • Online & Mobile Banking
    • Mobile Deposit
    • Tools & Advice
      • Calculators
      • Starting Out on Your Own
      • Building and Supporting a Family
      • Buying/Improving a Home
      • Managing Your Finances
      • Planning for Retirement
      • Newsletters
    • Forms
    • Gulf Advantage Qualifying Cycles
  • Wealth Management
    • Special Needs Trust - CPAs & Attorneys
    • Special Needs Trust - Parents
  • About TGB
    • Our Story
    • Our Team
    • Careers
      • How to Apply
      • Benefits
    • Community
    • News
      • Fact Sheet
      • Newsletters
  • Alerts
    • Avoid Covid-19 Financial Scams
    • Precautions Related to COVID-19
  • Help & Support
    • Contact Us
    • Locations
    • Report a Lost or Stolen ATM or Debit Card
    • Routing Number
    • View Rates
    • Calculators
    • How to Switch to TGB
    • How To Get a Tax ID
    • How to Set Up Direct Deposit
    • Consumer Complaint
    • What is FDIC Insurance?
    • Tools & Advice
      • Personal
      • Business
    • Forms
      • Business
      • Personal
    • Privacy & Security
    • Get the TGB Mobile App
    • Sign Up for Mobile Banking
    • Sign Up for Online Banking
    • Sign Up for Text Banking
    • What documentation do I need to apply for a loan or open an account?
    • Accessibility
  • Contact
  • Home
  • Business Banking
    • Business Checking
    • Business Card Services
    • Online & Mobile Banking
    • Remote Deposit
    • Savings/CDs/Money Markets
    • Business Loans & Financing
      • SBA
    • Treasury Services
      • Receivable Solutions
      • Accounts Payable
      • Reporting
      • Cash & Liquidity Management
      • Business Wire Transfers
      • Risk Management
    • Tools & Advice
      • Starting My Business
      • Buying A Business
      • Managing My Business
      • Growing My Business
    • Forms
  • Personal Banking
    • Personal Checking
    • Loans
    • Personal Savings, CDs and IRAs
    • Online & Mobile Banking
    • Mobile Deposit
    • Tools & Advice
      • Calculators
      • Starting Out on Your Own
      • Building and Supporting a Family
      • Buying/Improving a Home
      • Managing Your Finances
      • Planning for Retirement
      • Newsletters
    • Forms
    • Gulf Advantage Qualifying Cycles
  • Wealth Management
  • About TGB
    • Our Story
    • Our Team
    • Careers
      • How to Apply
      • Benefits
    • Community
    • News
      • Fact Sheet
      • Newsletters
  • Alerts
    • Avoid Covid-19 Financial Scams
    • Precautions Related to COVID-19
  • Help & Support
    • Contact Us
    • Locations
    • Report a Lost or Stolen ATM or Debit Card
    • Routing Number
    • View Rates
    • Calculators
    • How to Switch to TGB
    • How To Get a Tax ID
    • How to Set Up Direct Deposit
    • Consumer Complaint
    • What is FDIC Insurance?
    • Tools & Advice
      • Personal
      • Business
    • Forms
    • Privacy & Security
    • Get the TGB Mobile App
    • Sign Up for Mobile Banking
    • Sign Up for Online Banking
    • Sign Up for Text Banking
    • What documentation do I need to apply for a loan or open an account?
    • Accessibility
  • Contact

Business Banking

  • Business Checking
  • Business Card Services
  • Online & Mobile Banking
  • Remote Deposit
  • Savings/CDs/Money Markets
  • Business Loans & Financing
  • Treasury Services
  • Tools & Advice
  • Forms
Texas Gulf Bank | Business Checking Comparison Chart

Business Checking Comparison Chart

Commercial Checking Gulf Star Now Portside Business Checking Gulf Stream Money Market
Average Daily Balance to Avoid Monthly Maintenance Fees
N/A
N/A
N/A
$2,500.00
Interest Rate Structure

N/A

May be adjusted to be competitive with market rates/$2500.00 minimum daily balance to earn interest.

N/A

May be adjusted to be competitive with market rates. Tiered rates apply ($00.01, $40,000.00, $100,000.00, $500,000.00 & $1,000,000.00 minimums to earn interest); see Investment Rate Index.

Minimum Opening Deposit
$300.00
$300.00
$100.00
$300.00
Monthly Maintenance Fees

TBD using Account Analysis. Please see additional information in the section below.

TBD using Account Analysis, except account not eligible for offset by compensating balances. Please see additional information in the section below.

$7.00

125 free items/month (deposits, checks/debits, deposited items)

$.25/item after 125 (does not include electronic funds transfers)

N/C if average daily balance remains $2,500.00 or over. If under $2,500.00 see Commercial Account Analysis, except account not eligible for offset by compensating balances.

Other Fees Which May Apply
See Details
See Details
See Details
See Details
Additional Info See Details See Details
Statement
Monthly
Monthly
Monthly
Monthly
Withdrawals

Unlimited

Unlimited

Unlimited

We prohibit transfers to third parties by POS (Point of Sale).  No other transaction limitations apply to this account.
Commercial Checking
Average Daily Balanace to avoid Monthly Maintenance Charges
N/A
Interest Rate Structure

N/A

Minimum Opening Deposit
$300.00
Monthly Maintenance Charges

TBD using Account Analysis. Please see additional information in the section below.

Other Fees Which May Apply and Additional Information
See Details
Statement
Monthly
Withdrawls

Unlimited

Gulf Star Now
Average Daily Balanace to avoid Monthly Maintenance Charges
N/A
Interest Rate Structure

May be adjusted to be competitive with market rates/$2500.00 minimum daily balance to earn interest.

Minimum Opening Deposit
$300.00
Monthly Maintenance Charges
TBD using Account Analysis, except account not eligible for offset by compensating balances. Please see additional information in the section below.
Other Fees Which May Apply and Additional Information
See Details
Statement
Monthly
Withdrawls
Unlimited
Portside Business Checking
Average Daily Balanace to avoid Monthly Maintenance Charges
N/A
Interest Rate Structure

N/A

Minimum Opening Deposit
$100.00
Monthly Maintenance Charges

$7.00

125 free items/month (deposits, checks/debits, deposited items)

$.25/item after 125 (does not include electronic funds transfers)

Other Fees Which May Apply and Additional Information
See Details
Statement
Monthly
Withdrawls

Unlimited

Gulf Stream Money Market
Average Daily Balanace to avoid Monthly Maintenance Charges
$2,500.00
Interest Rate Structure

May be adjusted to be competitive with market rates. Tiered rates apply ($00.01, $40,000.00, $100,000.00, $500,000.00 & $1,000,000.00 minimums to earn interest); see Investment Rate Index.

Minimum Opening Deposit
$300.00
Monthly Maintenance Charges

N/C if average daily balance remains $2,500.00 or over. If under $2,500.00 see Commercial Account Analysis, except account not eligible for offset by compensating balances.

Other Fees Which May Apply and Additional Information
See Details
Statement
Monthly
Withdrawls
We prohibit transfers to third parties by POS (Point of Sale).  No other transaction limitations apply to this account.

Additional Information

Commercial Account Analysis allows for monthly maintenance fees, transaction fees and other components of the monthly activity cost to be offset by compensatory balances. Your monthly earnings credit is determined by your account's average collected balance, multiplying it by the earnings credit rate* and the number of days in the statement cycle and then dividing that number by 365 days. Your account will not be debited a monthly maintenance fee for the month if your monthly earnings credit is larger than your account's monthly activity costs. If the monthly activity cost is greater than the monthly earnings credit, the difference is your monthly maintenance fee. Commercial Account Analysis is used on all Texas Gulf Bank business checking accounts with the exception of the Portside account; however, please note that only non-interest-bearing accounts are eligible for an earnings credit offset.

*The Earnings Credit Rate for Commercial Account Analysis is based on Texas Gulf Bank's Cost of Funds and is subject to change at any time at the bank's discretion.  Earning's Credit Rate is determined by Texas Gulf Bank, N.A. and is set each month based on current market conditions.  You may call us at (800) 467-7216 for the current Earnings Credit Rate.  The interest rate as well as the rate index used in the calculation may change at any time at bank’s discretion. (average collected balance X earnings credit rate X number of days in statement cycle) / 365 = monthly earnings credit).  Additionally, National Prime interest rate will be charged each day of the monthly statement cycle that you have a negative average collected balance and will be included in the miscellaneous service charge.  (The amount of the negative average collected balance for the monthly statement cycle will be multiplied by the National Prime interest rate [Wall Street Journal /WSJ Prime Rate as of the first of the month] and that product multiplied by the number of days in the statement cycle, then divided by 365.) You may contact the bank for the current National Prime interest rate.  The interest rate as well as the rate index used in the calculation may change at any time at the bank's discretion.

 
Commercial Account Analysis Monthly Activity Cost = The Sum of the Following Fees:
Maintenance Fee   $15.00
Number of checks/debits   $0.15 each
Number of electronic debits   $0.12 each
Number of deposits   $0.25 each
Number of electronic credits   $0.12 each
Number of deposited items   $0.10 each
Miscellaneous Services   Fees Vary
 
 
Business Fee Schedule
Business Debit Card
Balance Inquiry at ATM Locations we do not own or operate $2.00 each (Note: ATM Withdrawals cannot be made using Business Debit Cards)
Replacement Cards $5.00 each
Change Personal Identification Number (PIN) No fee
Overdrafts/Non-Sufficient Funds
The categories of transactions for which an overdraft fee or NSF fee may be imposed are those by any of the following means: check, in-person withdrawal or transfer, or by electronic means, excluding one-time debit card transactions.
Overdraft paid item fee $30.00 each
Non-sufficient funds (NSF) return item fee $30.00 each
Courtesy Threshold We do not charge an overdraft or NSF fee for de minimis transaction amounts ($5.00 or less)
Temporary Checks (limit 12)
$0.50 each
Cashier's Checks
Customer $3.00 each
Money Orders
Customer $2.00 each
Non-customer check cashing
greater of $8.50 or 1% of check
Chargeback/Returns Fee
$10.00 each
Garnishments, Subpoenas, Levies
$25.00 each, plus attorney fees
Account Activity Printout
$3.00 each
Special Statement Cutoff
$5.00 each
Activity inquiry (no charge for Q-Line Automated Phone Banking)
$3.00 each
Account Reconcilement
$30.00 per hour; minimum 1/2 hour
Research
$30.00 per hour; minimum 1/2 hour
Account Requiring Multiple or Conditional Signatures
$25.00 per month, per account
Balance inquiry (no charge for Q-Line Automated Phone Banking)
$2.00 each
Online Banking
Online Banking No fee
Online Banking with Bill Pay No fee
Mobile Banking* No fee *Depending on your mobile service provider, you may be charged web access rates, data transfer fees or standard text messaging rates. Check with your wireless provider for details on your specific plan.
MasterCard®/VISA®* (Merchant Card Services), if approved

A third-party provider approves the application and negotiates the rates associated with the services.

$50.00 setup
Telephone Transfer (no charge for Q-Line Automated Phone Banking)
$5.00 each
Stop Payments
$30.00 each item
Non-Time Accounts Closed Within 30 Days of Opening
$15.00 each
Domestic Wire Transfers
Customer - incoming $5.00 each
Customer - outgoing $25.00 each
Foreign Wire Transfers
Customer incoming $10.00 each
Customer outgoing $35.00 each plus correspondent bank wire charges
Dealer Drafts
Incoming and Outgoing $10.00 each
Collections
Customer - incoming $10.00 each
Customer - outgoing $12.00 each
Coupon Books (replacement)
$10.00 each
Amortization Schedule
$10.00 each
Zipper Bags
Small $5.00 each
Large $7.00 each
Night Depository Lock Bags
$20.00 each
Strapped Currency
$0.35 per strap
Rolled Coins
$0.25 per roll
Deposit Corrections
$2.00 each
Photocopies
Customer $0.25 each page
Non Customer $0.50 each page
Safe Deposit Boxes
(annual rental - prices vary by size and location)
Key deposit $25.00 per box
Box drilling $50.00 plus vendor's charges
Positive Pay
Monthly Fee $50.00 per month
Exception/Non-Uploaded Items $2.00 each
ACH
Setup Fee $25.00 each
ACH Files 1-25 $15.00 per month
ACH Files 26-300 $30.00 per month
ACH Files 300+ $60.00 per month
Per ACH File $0.10 each
ACH Returns $10.00 each
Remote Deposit Capture
Setup Fee $25.00 each
Monthly Fee (>/= 60 checks deposited per month) $50.00 per month
Monthly Fee (<60 checks deposited per month) $30.00 per month
Deposited Items $0.10 each
Lockbox
Setup Fee $25.00 each
Monthly Fee Fees vary based on your business needs. Call for specific pricing (800) 467-7216
Transaction Fee $0.10 each
Treasury Service Online Wires-Monthly Fee
Fees vary based on your business needs. Call for specific pricing (800) 467-7216

*MasterCard® is a registered trademark of Mastercard International Incorporated and VISA® is a registered trademark of Visa International Service Association

Note:  Except as shown below*, deposits made during our business hours (of the branch where the deposit is made) will be posted the same day. Business hours vary from location to location and may be found in the Location Guide of our website,
   www.texasgulfbank.com/locations.
  *Deposits made to your account via debit card must be received by 2:00 P.M. CST to be reflected in your balance that same business day. Deposits made through Remote Deposit Capture or Mobile Deposit must be completed before 5:00 P.M. CST to be reflected in your balance that same business day. Transfers made using TGB Online/Mobile Banking or Q-Line Automated Phone Service before 8:00 P.M. CST will be reflected in your balance that same business day. Transfers or deposits made after the cut-off times shown, or on a Saturday, Sunday, or Federal holiday, will be reflected in your balance on the next business day we are open. More detailed information is available upon request. Contact us at 1-800-467-7216.

Gulf Star Now (Non-profit organizations and sole proprietorships only) - Additional Information

Checking With Interest Accounts are variable rate accounts with rates subject to change at any time at the bank's discretion. Interest Calculations are compounded and credited monthly on the daily collected balance. Interest will be credited to account on each statement cycle date.

Money Market Accounts - Additional Information

Money Markets accounts are variable rate accounts with rates subject to change at any time at the bank's discretion. Interest calculations are compounded and credited monthly on the daily collected balance. Interest on Money Market Accounts will be credited to the account on each statement cycle date. We prohibit transfers to third parties by POS (Point of Sale).  No other transaction limits apply to this account. 

 

 

Business Banking

  • Business Checking
  • Business Card Services
  • Online & Mobile Banking
  • Remote Deposit
  • Savings/CDs/Money Markets
  • Business Loans & Financing
  • Treasury Services
  • Tools & Advice
  • Forms

Personal Banking

  • Personal Checking
  • Loans
  • Personal Savings, CDs and IRAs
  • Online & Mobile Banking
  • Mobile Deposit
  • Tools & Advice
  • Forms
  • Gulf Advantage Qualifying Cycles

Wealth Management

  • Overview
  • Special Needs Trust - CPAs & Attorneys
  • Special Needs Trust - Parents

About TGB

  • Our Story
  • Our Team
  • Careers
  • Community
  • News

Help & Support

  • Contact Us
  • Locations
  • Report a Lost or Stolen ATM or Debit Card
  • Routing Number
  • View Rates
  • Calculators
  • How to Switch to TGB
  • How To Get a Tax ID
  • How to Set Up Direct Deposit
  • Consumer Complaint
  • What is FDIC Insurance?
  • Tools & Advice
  • Forms
  • Privacy & Security
  • Get the TGB Mobile App
  • Sign Up for Mobile Banking
  • Sign Up for Online Banking
  • Sign Up for Text Banking
  • What documentation do I need to apply for a loan or open an account?
  • Accessibility

Contact Us

Search form

Join Our Newsletter

Sign-up to receive the latest news, tools, & advice and community happenings from Texas Gulf Bank

linkedin
Home

Copyright © 2015 Texas Gulf Bank | Privacy Policy | Contact Us | Site Map