Starter Business Checking Tips, Info & FAQs
Cash-flow management and daily transactions at a minimal cost
Owning a business comes with no shortage of challenges. At United Texas, we want to do our part to help you overcome them.
That’s why we offer the Starter Business Checking account. You only need $100 to open one, but, after that, there is no minimum balance requirement or monthly service fees.
Every month, you’ll get your first 250 transactions for free. After that, each one costs just $0.35.
We also give our Starter Business Checking account holders free online banking and unlimited online bill pay.
When you sign up, we’ll also give you a free Debit Mastercard BusinessCard, plastic deposit bag, and an initial order of basic checks.
Starting a business isn't easy. But there are tools that can help.
Are you planning to start your own business in the near future? At United Texas, we’d love to play a role in your success. However, aside from offering you a Starter Business Checking account, this also means making sure you’re ready.
Before you begin with your small business, ask yourself the following questions.
1. Do I have enough money to begin?
It might be necessary to wait a bit longer before starting your business so you have time to secure the required capital. While we would be happy to offer you a loan to help out, it’s still wise to get clear about your startup costs and then look to cover as much of them as you can out-of-pocket.
2. Do I have a business plan?
One way to pinpoint the costs required to start your own business is by having a business plan. This plan will serve as a compass for many of your other business’ needs, too. Take your time creating one because it will be an important reference point for years to come.
3. Am I charging the right amount for my products/services?
Again, this is something you’ll cover in your business plan, but it’s crucial you get it right. Remember, you’re not just trying to make a profit. As a small business owner, you need to pay your own taxes, provide your own benefits, and set aside money for retirement. Make sure you’re charging enough to do this.
Can anyone make a deposit or complete a transaction on my business account?
Only authorized signers are able to complete transactions. However, anyone can make a deposit into the account and we will never divulge any information (e.g., account balance or recent transactions).
Can I add or remove someone from a business account?
You will need to complete a new signature card and new resolution for your business.
How long does it take to open a business checking account?
Once all the required documentation and signatures are gathered, a business account can be opened in less than two business days, and often the same day.
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Starter Business Checking Why United Texas
- $100 to Open an Account
- First 250 Transactions/Month Are Free
- No Monthly Service Fees
- Free Online Banking
- Free Unlimited Online Bill Pay
Cassandra Moreau helped me get a loan to help with unexpected expenses. She made the process seamless and answered all of the questions I had.Terae H., member since 2002
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Starter Business Checking How it Works
How it Works
Become a member by opening a savings account.
Gather your supporting documents.
Visit one of our branches or go through the process online.
Complete our Starter Business Checking account documents and submit them.
Once approved, you can being enjoying the benefits of your Starter Business Checking account!
Related Products & Services
Organizational documents are required to be considered for our Starter Business Checking accounts.
Various fees apply to our Business Account Services. Rates and fees are subject to change without notice.
Credit card processing, payroll processing, and check orders are referred to third-party vendors.