Commercial Checking

A scalable business checking account with unlimited transactions and low fees

When you need more from a Commercial Checking account in Frisco, First Lonestar Bank's Commercial Checking is designed for growing businesses and established organizations in the North Dallas area and beyond. With advanced treasury features, higher transaction volumes, and scalable services, this account supports your day-to-day operations with confidence.

What Is a Commercial Checking Account?

A Commercial Checking account offers services that go beyond personal checking accounts. It's suitable for businesses of all sizes that need business banking services in North Dallas and the surrounding area.

If you're a small business owner, keeping your business and personal accounts separate makes it much easier to keep track of each one, and our commercial business banking services can grow with you.

For established businesses, our Commercial Checking account offers features that maximize business security and make it easier to run your business, with unlimited transactions and the option to treasury management services, such as automated clearinghouse (ACH) services, to manage your transactions.

Who Is Commercial Checking Designed For?

Our Commercial Checking account is designed for businesses of all sizes, from sole proprietors to large corporations. That's why you can add additional features, such as ACH, as needed to help you manage your growing business.

Commercial Business Banking Services in Texas

We specialize in commercial business banking in Texas. With our Commercial Checking account, you can consolidate multiple accounts into a single banking relationship and receive a detailed analysis statement of all your account activities. You can receive a free Visa^® business debit card³  (upon approval).

 Our Commercial Checking account offers unlimited transactions with low per-item fees:

• Deposited items fee $0.10
• Debits posted fee $0.17
• Credit posted fee $0.25
• $12 monthly service charge

You can also receive an earnings credit to offset or minimize any monthly fees incurred¹. The credit tiers are:

• $500,000.00+ ............................... 98% of earnings credit
• $100,000.00 - $499,999.99 .......... 85% of earnings credit
• $25,000.00 - $99,999.99 .............. 80% of earnings credit
• $0 - $24,999.99 ............................ 75% of earnings credit

Each of our Commercial Accounts also includes digital banking services, such as:

• MyBanker™ Online Banking Service
• MYBILLPAY™ Online Bill Payment Service 
• First Lonestar Bank Mobile App²
• MYE-DOCS™ Electronic Statements

How to Open a Commercial Account at First Lonestar Bank

You can open a Commercial Checking account in Texas with just a $50 deposit. Simply fill out our online form, call an FLB Associate or visit our branch in Frisco!

Why Choose First Lonestar Bank?

At First Lonestar Bank, we're a local community bank that offers a personalized approach and partnership with businesses in the North Dallas and Fort Worth area. Our commercial business banking is about more than a place to keep your cash. We offer the tools, personal guidance, and support to help you manage your commercial finances with confidence—right here in Texas.

Frequently Asked Questions (FAQs)

Q: What makes a Commercial Checking account different from a regular business account?
A: A Commercial Checking account is specifically designed for larger businesses or organizations that have a higher transaction volume and more complex banking needs. If your business is experiencing growth and has significant financial transactions or complex cash management needs, a Commercial Checking account can provide the necessary resources for effective financial management.

Q: Do I need to be incorporated to open a Commercial Checking account?
A: No, incorporation is not a requirement to open a Commercial Checking account. While these accounts are often tailored to corporations and larger businesses, a variety of business structures can qualify for a Commercial Checking account. This flexibility allows all types of organizations to access the financial tools they need to manage their operations effectively.

Q: Can I link my Commercial Checking account to cash management services?
A: Yes, you can easily link your Commercial Checking account to a range of cash management services. Our comprehensive cash management solutions are designed to help you optimize your cash flow, seamlessly integrating with your Commercial Checking account for improved financial management.

Q: Are Commercial Checking accounts eligible for earnings credits or account analysis?
A: Yes, Commercial Checking accounts are eligible for earnings credits and account analysis. Earnings credits allow businesses to earn credits based on their account balance, which can be used to offset service fees and charges incurred during the month. Account Analysis provides a detailed breakdown of transaction activity and associated costs, enabling businesses to understand their banking fees better and optimize account usage.

Proudly Offering Commercial Business Banking Solutions in Texas

As a community-minded bank, we understand the local business community and want to see it succeed. That's why we offer our commercial accounts throughout the Dallas-Fort Worth area, as well as McKinney, Plano, Carrollton, and the greater Texas region. From manufacturing to service-based companies, First Lonestar Bank provides business banking that grows with you.

Open a Commercial Checking Account in Frisco Today!

If you're ready for a Commercial Checking account that can handle your growing business, please request more information, call an FLB Associate or visit our branch in Frisco, Texas, today!

Contact First Lonestar Bank to get started!
Call an FLB Associate or visit our branch in Frisco, Texas, today!