Business Checking
Bank with the people who bank on you.
We’re more concerned about your route in life than your routing number. As such, NDBT offers a unique variety of business checking options to accommodate your business needs and exceed your expectations.
Business Checking
Bank with the people who bank on you.
Business Checking Account Options
NDBT currently offers the following variety of business checking options. Each offers unique features to fit your business banking style. All include access to your funds at any of our five North Texas bank center locations, through our commercial online banking available via desktop or mobile app, and through more than 55,000 ATM locations nationwide. Each also includes a selection of creative debit card art choices to reflect your company’s culture.
Business Checking
From small to large businesses, our business checking is best suited for all types. It offers low monthly fees and minimal transaction limitations.
- Minimum to Open – $100
- Service Charge per Statement Cycle – $10
- Minimum Balance to Waive Service Charge – $5,000 Combined Daily Balance (business checking and/or savings) or $100,000 minimum outstanding balance in a business loan or line of credit
*additional fees may apply based on transaction limitations
Commercial Checking
Designed for high volume business customers, commercial checking is managed by our Treasury Services team through account analysis.
- Minimum to Open – $100
- Service Charge Per Statement Cycle – based on account analysis
*additional fees may apply based on account analysis
Community Checking
An account specifically for our non-profits and sole proprietor customers. Along with no service charges, this account accrues interest daily.
- Eligibility Requirement – NOW Account for Non-Profit Organizations and Sole Proprietors
- Minimum to Open – $100
- Service Charge per Statement Cycle – $0
- Interest Computation and Crediting – Accrues daily; Credited to account monthly; Does not compound
- Minimum Daily Balance to Earn Interest – $2,000
*additional fees may apply based on transaction limitations
Comparison Chart of Business Checking Options
| Business Checking | Commercial Checking | Community Checking | |
|---|---|---|---|
| Eligibility Requirements | None | None | NOW Account for Non-Profit Organizations and Sole Proprietors |
| Minimum Balance to Open | $100 | $100 | $100 |
| Service Charge per Statement Cycle | $10 | Based on Account Analysis | None |
| Minimum Balance to Waive Service Charge | $5,000 combined daily balances in business checking and/or savings accounts or $100,000 minimum outstanding balances in a business loan or line of credit | N/A | N/A |
| Interest Computation and Crediting | N/A | N/A | Accrues daily; Credited to the account monthly; Does not compound |
| Minimum Daily Balance to Earn Interest | N/A | N/A | $2,000 |
| Transaction Limitations |
| Fees Based on Account Analysis |
|
| Additional Information | Each related account used for combined balances must be held with NDBT and in the name of the same account owner and is subject to minimum balance requirement per account type. | For specific fee information, refer to our business fee schedule or the Treasury Management agreement(s) applicable for your account relationship. | N/A |
