Checking

Our cash management team can help you determine the right package
of accounts and services to make the most of your financial resources.
Be sure to take advantage of our free cash management analysis for your business.

American Business Liberty
     A small business checking account designed for customers
     with a low number of transactions.
American Business Checking
     Unlimited checking where balances earn credits which are applied to charges to
     reduce monthly fees.
American Business NOW
     An interest-earning account with unlimited check writing for a sole proprietorship
     or not-for-profit organization.

American Business Investment Account
     This innovative and unique account allows you to combine your regular business
     checking account with an interest earning sweep account to maximize your
     earnings on your balances. Call us for custom pricing and details.

Please contact Cash Management for more information and a quote on pricing for your package at 361-992-9900 or send us an e-mail. The Cash Management team is located at American Bank Shoreline, 100 One Shoreline Plaza South, Corpus Christi.

Account Details

BUSINESS CHECKING PLANS	American Business Liberty	American Business Checking	American Business NOW
Account Profile	A small business checking account designed to control costs for accounts with less than 100 items per month.	Unlimited checking for all types of business accounts.	An interest earning account with unlimited check writing for a sole proprietorship or not-for-profit organization.
Special Features	No charge for electronic debits or credits. Plus you can apply for a Line of Credit to help your business stretch its working capital.	Earnings credit helps minimize service charges and fees. Visa/MasterCard merchant set-up available.	Federal regulations prevent for-profit corporations and partnerships from being eligible for NOW accounts.
To Waive Monthly Maintenance Fee	Maintain an average daily account balance of $2500 or more in the account.	Monthly maintenance fees are offset by earnings credit, based on 91-day Treasury Bill rate, which is applied to the average investable balance.	Maintain a daily account balance of $1500 or more.
Monthly Maintenance Fee	$20.00 per month if average daily account balance requirement is not met.	$15.00 per month regardless of balance, plus analysis fees.	$15.00 per month if minimum daily account balance requirement is not met, plus analysis fees.
Transaction Charges	Items in excess of 100 are charged at $.25 per paper item. Items include items paid and items deposited. Other fees apply as detailed on the current Business Account Schedule of Fees and Service Charges.	Analysis Fees: Analysis fees apply as detailed on the current Business Account Schedule of Fees and Charges. *The earnings credit is based on the 91-day Treasury Bill rate, which is applied to the average investable balance of the account.	Analysis Fees: Analysis fees apply as detailed on the current Business Account Schedule of Fees and Charges. *The earnings credit is based on the 91-day Treasury Bill rate, which is applied to the average investable balance of the account.
Interest	Not applicable	Not applicable	Interest is variable and paid monthly on collected balances.
Minimum Opening Deposit	$200	$500	$500

To request a cash management audit for your business or for more complete information on accounts and pricing please call Cash Management at 361-992-9900 or send us an e-mail.