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Business Checking Comparison Chart

Portside Business Checking Business Account Analysis Checking Gulf Star Now Gulf Stream
Money Market
Best if you want: A low monthly fee to correspond with a low volume of transactions, check writing and depositsDetailed reporting and unlimited check writing privileges To earn a variable interest rate every month, and you are a sole proprietorship or non-profit organization
To earn higher interest rates for higher deposit balances and don't need immediate access to your funds
Average Daily Balance to avoid Monthly Maintenance ChargesN/A N/A N/A$2,500
Monthly Maintenance Charges $7
125 items/month
(deposits, checks, deposited items)
$0.25/item after 125 (does not include electronic funds transfers)
See Commercial Account AnalysisSee Commercial Account Analysis, except account not eligible for offset by compensating balances. N/C if average daily balance remains $2,500 or over. If under $2,500 see Commercial Account Analysis, except account not eligible for offset by compensating balances.
Minimum
Opening Deposit
$100 $300 $300 $300
WithdrawalsUnlimitedUnlimitedUnlimitedAccording to Reg D, transfers to another account or to 3rd parties by preauthorized, automatic, telephone (including internet or data transmission), check or similar order are limited to 6 per statement cycle. We further prohibit transfers to 3rd parties by POS or similar order.  Each withdrawal or transfer in excess of the 6 allowable per statement cycle will incur a fee of $10 (does not include electronic funds transfers).
Statement Monthly Monthly Monthly Monthly
Interest Rate Structure N/AN/A Adjusted to be competitive with current market rates / $2,500 minimum daily balance to earn interest Tiered rates apply ($2500, $20,000 & $40,000 minimums to earn interest); see Investment Rate Index. 
Other fees which may apply DetailsDetailsDetailsDetails
Additional InformationChecking 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. If account is closed prior to that date, you will not receive the accrued interest.
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 account on each statement cycle date. If account is closed prior to that date, you will not receive the accrued interest. Per Reg D, transfers from a money market account to another account or to third parties
by preauthorized, automatic, or telephone (including internet banking or data
transmission), check, or similar order to third parties are limited to six per statement cycle.  We further prohibit transfers to 3rd parties by POS or similar order.  Repeated abuse of the stated limitations may eventually force us to close your account. Unlimited withdrawals from ATM or in person. In addition, accounts violating Reg D transaction limitations more often than 3 times in a 12-month period are subject to reclassification as a non-interest bearing account or closure. Each withdrawal in excess of the 6 allowable per statement cycle will incur a fee of $10.00 (does not include electronic funds transfers).
Texas Gulf Bank, N.A.  1-800-467-7216   Contact Texas Gulf Bank