Business Checking

Checking That Works for You

All businesses aren’t the same. Why should business checking accounts be? FirstCapital Bank of Texas understands the needs and challenges of small to mid-sized businesses are different from those of major corporations, that’s why we designed checking solutions that are different too.

First Commercial Checking

Designed for businesses with high transaction activity, this account’s earnings credit based on your average daily balance helps offset fees. You’re also eligible to take advantage of a wide complement of cash and treasury management services through a Cash and Treasury team member.

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Small Business Checking

This account offers checking convenience for a low, fixed monthly service fee of just $12. It’s better for businesses with lower transaction volumes: Every month, your first 100 debits and 150 deposits are free; you pay $0.25/debit and $0.10/deposit thereafter.

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More Ways to Help Your Business Manage Your Money

Business Debit Card

Make ATM withdrawals from your business checking—or in-person and online purchases—quickly and conveniently.

Business Online Banking

No matter which checking account you choose, you’ll enjoy the same anytime, anywhere, convenient access with Business Online Banking, a sophisticated financial tool that merges seamlessly with the rest of your operation. View accounts, transfer funds, access online statements and check images, pay bills, initiate stop payments, research transactions—and more—in a secure and convenient real-time environment with flexible employee-access options.

*An analysis fee is calculated by consolidating all monthly fees, charges and earnings credit. An earnings credit will be credited against the account fees charged to the account each month based on the average available balance in the account during the month, less 10% for Legal Reserve requirements, multiplied by the daily periodic rate. The monthly commercial fees are as follows: maintenance charge of $12, $0.15 per check or withdrawal, $0.07 for each item deposited, $0.30 for each deposit or credit and a monthly fee for drawing on uncollected funds at the rate of Wall Street Journal prime plus 3.00% (adjusted to a daily rate) multiplied by the uncollected balance used each day. Learn more about Account Analysis.