Business Accounts

We offer a variety of business accounts to fit your banking needs.

Compare Business Checking Accounts

For more information or to open an account, please contact us today. Our New Accounts representatives are ready to help!

Business Checking Options
Account Type	Interest Earning	Monthly Maint. Fee	Key Features
Economy Business	No	$20.00	Waived monthly fee if 150 transactions or less per statement cycle E-statements Debit card Online banking
Regal Business	No	$20.00	Waived monthly fee with an average monthly balance of $10,000.00 or a $35,000.00 average monthly balance when combined with a personal checking balance E-statements Debit card Online banking
Money Market	Yes	$20.00	Waived if you maintain a $2,500.00 daily balance

$20.00 maintenance fee each month - Waived with 150 or less transactions per month (total debits + credits)

Free E-statements
Free Online Banking
Business Debit Card – first card free for each account signer, $5.00 order fee for each employee card or for a reorder of a card.
One safe deposit box rental free for one year, then normal annual rental fees apply (Located at Main Branch in Schertz and the Kirby Branch only)

$20.00 maintenance fee each month
Waived with an average monthly balance of $10,000.00 or a $35,000.00 average monthly balance when combined with a personal checking balance

400 items free per month (debits and credits), then $.25 per item
E-Statements only
First order of checks free (Value Pack only) of 3-to-a-page checks includes
- 150 single or duplicate safety checks
- Premier binder with stub and bill keeper
- 100 duplicate book-bound deposit slips
- Endorsement stamp
Business Debit Card – first card free for each account signer, $5.00 order fee for each employee card or for a reorder of a card.
One safe deposit box rental free for one year, then 35% off the normal annual rental fees apply (Located at Main Branch in Schertz and the Kirby Branch only)

Fees: An excessive debit fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six (6) during a calendar month.
Transaction limitations: Transfers from a Commercial Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card or similar order to third parties are limited to six (6) per calendar month.
Violation of the transaction limitations – Violations may result in Account Type Change.
Rate information – the interest rate and annual percentage yield may change at any time at our discretion.
Interest will be compounded every month and credited to the account each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Once you open a business account with M&T Capital you may also be interested in:

Service Charge fee of $7.00 will be imposed every month if the balance in the account falls below $100.00 any day of the calendar month.

Fees: an excessive withdrawal fee of $3.00 will be charged for each withdrawal in excess of three (3) during a calendar month.
Transaction Limitations – Transfers from a Commercial Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month.
Violation of the transaction limitations may result in account closure.
Rate information – the interest rate and annual percentage yield may change at any time at our discretion.
Interest will be compounded daily and credited to the account each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Accrual of earnings credit on non-cash deposits – Earnings credit will begin to accrue on the business day you deposit non-cash items (for example, checks)