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For over 40 years Bridge City Bank has set the standard for quality financial services in commercial and business banking. Today we remain a leading financial institution true to our tradition of professionalism and service to the community.
Checking Plans
Interest Bearing Checking Plans
Savings Plans
Business Loans
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Business Analyzed Checking |
Commercial Checking is ideal if your business has high activity or if you are interested in earning a credit toward your service charges.
- Unlimited withdrawals and deposits
- No monthly minimum balance requirement
- Monthly fee and per-item charges are calculated by account analysis. Fee may be directly offset with an earnings credit based on collected account balances
- Access funds by check, Telebank, or in person
- Free online banking with Cash Management option
- $700 Overdraft Priviledge available
| Minimum to open: |
$100 |
| Monthly account maintenance fee: |
$7.25 |
| Monthly transaction fees: |
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| Checks/debits posted (each): |
$0.135 |
| Deposits/credits posted (each): |
$0.275 |
| Local item deposited: |
$0.079 |
| Non local item deposited: |
$0.117 |
| Non machinable (unreadable) item: |
$0.195 |
| Earnings credit based upon the average collected balance, less 10% reserve multiplied by the monthly 90 day Treasury Bill discount rate |
| FDIC Insurance |
Based on current FDIC assessment rate |
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Small Business Cents Checking |
An account perfect for small business owners who have limited transaction activity and low average balances.
- Low monthly maintenance fee
- First 150 items processed per month at no charge (items include debits/checks, credits/deposits and deposited items)
- Monthly statements with checks and deposit slips returned
- Access funds by check, Telebank or in person
- Free online banking with Cash Management option
- $700 Overdraft Priviledge available
| Minimum to open: |
$100 |
| Monthly maintenance fee: |
$10 |
| Minimum daily balance to avoid monthly maintenance fee: |
$2,500 |
| First 150 items processed per month including debit/check, credits/deposits and deposited items |
No charge |
| Each additional item over 150: |
$0.40 |
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Commercial NOW Checking Account |
Commercial NOW Checking offers you interest on your average daily balance while maintaining low transaction fees.
For profit corporations, limited liability companies and partnerships are not eligible for this account.
- Earns interest monthly
- Low monthly maintenance fee
- Access funds by check, Telebank, or in person
- Free online banking with Cash Management option
- $700 Overdraft Priviledge available
| Minimum to open: |
$1,500 |
| Monthly maintenance fee: |
$6 |
| Transaction fee for each item paid: |
$0.10 |
| If minimum balance drops below $1,500 |
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| Monthly maintenance fee: |
$10 |
| Transaction fee for each item paid: |
$0.25 |
| Interest: |
Paid monthly |
| Interest rate: |
See us for current rate |
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Regular Commercial Savings |
This account is the perfect compliment to your business checking
• Earns interest on average daily balance
• Low minimum balance required to avoid monthly maintenance fee
• Two free withdrawals per month
• Automatic savings plan available
• Free online banking
• Free Telebank 24-hour bank by phone
| Minimum to open: |
$100 |
| Monthly maintenance fee: |
$1.65 |
| Average daily balance to avoid monthly maintenance fee: |
$100 |
| Interest: |
Paid monthly |
| Interest rate: |
See us for current rate |
| Withdrawal limitations: |
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| Up to two (2) per month |
No charge |
| Each additional withdrawal |
$1 |
Federal regulations limit the number of withdrawals allowed.
Please see us for details. |
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A tiered interest rate structure allows you the flexibility to manage your money and earn higher rates.
- Four premium interest rate tiers:
- Tier 1: Under $5,000 See us for current rates
- Tier 2: $5,000 - $9,999.99
- Tier 3: $10,000 - $24,999.99
- Tier 4: $25,000 and above
- Free online banking
- Free Telebank 24-hour bank by phone
- Limited check writing (up to three per statement cycle)*
| Minimum to open: |
$2,500 |
| Monthly maintenance fee: |
$15 |
| Average collected balance to avoid monthly maintenance fee: |
$2,500 |
| Interest: |
Paid monthly |
*Transaction limitations:
Up to six (6) withdrawals or pre-authorized transfers or telephone transfers per statement cycle, three (3) of which may be by third-party check |
No charge |
| In person withdrawal or made through ATM: |
Unlimited |
| Excessive withdrawal fee (each withdrawal): |
$15 |
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Certificates of Deposit (CDs) offer a secure way to invest your money and earn a guaranteed return. You can have peace of mind with an FDIC-insured investment.
- Flexible terms from 30 days to five years
- No service fees, but early withdrawal penalties apply
- Fixed rates
- Premium rates for deposits over $100,000
| Minimum balance to open: |
$1,000 |
| Fees: |
None |
| Interest payment frequency: |
Monthly, quarterly, or annually |
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When an increase in capital is needed to meet seasonal or periodic demand, a working capital loan from Bridge City Bank can give your company the financial assistance it needs.
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Equipment and Vehicle Loans |
Equipment financing is an ideal way to finance the purchase of additional equipment or to upgrade, expand or modernize your facility. When you find a need to purchase one or more vehicles for your business, we offer flexible terms.
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Inventory and Accounts Receivable |
We can help you manage your cash flow with a loan secured by this type of business asset.
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Commercial Real Estate Loans |
Bridge City Bank provides interim construction financing as well as permanent financing for that new business location. Terms are flexible and rates are competitive.
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Income Producing Real Estate Loans |
Whether it is an office building, strip mall, or rent house, let one of our knowledgeable professionals help you with the right terms and rate.
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