Patti O'Meara, Owner - Personal Administrators

Patti O'Meara

Owner

Personal Administrators

Commercial Account Information

Texas Capital Bank's deposit products for commercial accounts include:

Interest Checking

  • Minimum opening balance: $100
  • Service Fee: $12 per month
  • No charge if $1,500 minimum daily balance or $2,500 average ledger balance is maintained.
  • Transactions: Unlimited
  • Unlimited Check Writing
  • Interest:
    • Earned on daily collected balance
    • Variable rate

Small Business Checking

  • Minimum opening balance: $100
  • Service Fee: $12 per month
  • No charge if $3,500 monthly average collected balance is maintained
  • Deposits: No Charge
  • First 50 paid debits and first 50 items deposited are free
  • $.25 per excess transaction
  • $10.00 fee for statements with check enclosures
  • Transactions: Unlimited
  • Interest: None

Professional Checking

  • Minimum opening balance: $100
  • Transactions: Unlimited
  • Service Fee: $30 Per Month
  • No charge if $10,000 monthly average collected balance or $35,000 combined monthly average collected balance in other business accounts is maintained
  • First 400 items are free
  • $.40 per excess transaction
  • $10.00 fee for statements with check enclosures
  • Interest: None

Commercial Checking

  • Minimum opening balance: $100
  • Transactions: Unlimited
  • Service Fee: Refer to commercial fee schedule
  • All accounts analyzed each month
  • Interest: None

Commercial Money Market Account

  • Minimum opening balance: $100
  • Transactions: Three free third-party withdrawals per statement cycle
  • Service fees:
    • No monthly fee if minimum daily ledger balance is more than $2500
    • $12 monthly fee if minimum daily ledger balance is less than $2500
    • $10 per withdrawal over six withdrawals per period
  • Interest:
    • Earned on daily collected balance
    • $500 minimum balance to earn interest
    • Credited monthly
    • Variable interest rate

Commercial Savings

  • Minimum opening balance: $100
  • Transactions: Two free withdrawals per statement cycle
  • Service fees:
    • No monthly fee if minimum daily ledger balance is more than $500
    • $5 monthly fee if minimum daily ledger balance is less than $500
    • $2 excess transaction fee. All fees assessed quarterly
  • Interest:
    • Earned on daily collected balance
    • Credited quarterly
    • Variable interest rate

Certificates of Deposit

  • Minimum opening balance: $1,000
  • Transactions: Allowed only at time of deposit or maturity
  • Service Fee: No monthly service fee
  • Penalty for early withdrawal
  • Interest: Fixed interest rate based on term of certificate

IOLTA (Interest on Lawyer's Trust Account)

  • Minimum opening balance: $100
  • Transactions: Unlimited
  • Service Fee: $12 per month
  • No charge if $1,500 minimum daily balance or $2,500 average ledger balance is maintained
  • Interest: Earned on daily collected balance
  • Variable interest rate
    Less monthly charges remitted to Texas Equal Access to Justice Foundation

“Texas Capital Bank is the perfect size for personal service. They focus on relationships, so we know they're always available when we need them.”

John "J.T." Thompson, Partner | Mancuso Harley-Davidson and Team Mancuso Powersports