Helping your business grow is our highest priority. Our community presence and local decision-making give you the best possible commercial banking experience.
Business Checking
The Heritage Basic Business Account
If you are looking for...
A business account geared to the needs of small businesses providing services at the lowest cost available
Monthly Service Charge & Account Qualifiers
$100.00 minimum to open
$10.00 service charge
Excess item fee: We impose a per item fee of $0.35 per item in excess of 100 items per month.
Mailed statement fee: $5.00
To Avoid Service Charge
No Service Charge with minimum daily balance of $3,000
Account Features
Statement with imaged items
Free ATM or Debit Card with unlimited ATM / Point-of-Sale transactions
Free Internet Banking, Bill Pay and Mobile Banking
Cash Management Services
MasterCard/VISA Merchant Services
The Heritage Commercial Account
If you are looking for...
A business account specially designed for businesses with a higher volume of activity
Monthly Service Charge & Account Qualifiers
$100.00 minimum to open
$20.00 service charge
Account subject to individual item charges (commonly referred to as "account analysis")
Service Charges can be partially or totally offset by an Earnings Credit Allowance. The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period.
Account Features
Statement with imaged items
Free ATM or Debit Card with unlimited ATM / Point-of-Sale transactions
Free Internet Banking, Bill Pay and Mobile Banking
Cash Management Services
MasterCard/VISA Merchant Services
Heritage Community Checking
If you are looking for...
A business account geared to the needs of not-for-profit organizations and other community groups
Monthly Service Charge & Account Qualifiers
$100 minimum to open
No Monthly Charges
Account Features
$50 Credit toward first check purchase
Statement with imaged items
Free ATM or Debit Card with unlimited ATM / Point-of-Sale transactions
Free Internet Banking, Bill Pay and Mobile Banking
Cash Management Services
MasterCard/VISA Merchant Services
Remote Deposit Capture
If you are looking for
ADVANTAGES:
Increase deposit speed and accuracy
Improve cash flow
Save time & travel costs
Improve staff efficiency
Create deposit slips & endorsements automatically
Leverage existing technology
Improve record keeping
REQUIREMENTS:
Texas Heritage Business Checking Account
Windows OS: Windows 7: 32- or 64-bit w/ Service Pack 1 or higher
1 GB of memory
At least 30 MB free hard drive space
High-speed internet access (1.5 Mbps or faster)
Microsoft .NET 3.5 or higher
Chrome 52, Firefox 48, Opera 39, or IE 11
USB 2.0
User must have administrative rights
Business Savings
Certificates of Deposit (CDs)
Certificates of Deposit (CDs) offer competitive returns on FDIC-insured savings. They are a great choice if you have a time-specific savings need or if you are looking for a higher return other than traditional interest-bearing accounts. CDs offer the following:
Lock in your rate by investing a fixed amount for a specific period.
Texas Heritage Bank offers competitive interest rates. We regularly evaluate the markets we serve and set our rates competitively. In other words, we shop the market, so you don't have to.
CDs are automatically renewable at interest rates in effect at their maturities.
Simple interest is generally paid at maturity, but can be paid more often if deposited into another Texas Heritage Bank account.
The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.
Heritage Business Money Market Account
If you are looking for...
An interest-bearing account with limited check writing privileges
Monthly Service Charge & Account Qualifiers
$2,500 minimum to open
Service Charge of $15 if average daily balance falls below $2,500 (accrued interest is forfeited)
Total of 6 checks, debits, or transfers to another account per statement cycle (only 3 of which may be a check or draft to a third party)
To Avoid Service Charge
No service charge with minimum average daily balance of $2,500 or more per statement cycle
account features
Earn competitive rate of interest (tiered depending on account Balance; all rates subject to change)
Free ATM or Debit Card
Free Internet Banking, Bill Pay and Mobile Banking
Heritage Business Savings Account
If you are looking for...
An interest-bearing account with no service charge and limited withdrawals
Monthly Service Charge & Account Qualifiers
$50 minimum to open
No monthly service charge
Service charge of $1 per withdrawal in excess of 2 per calendar month
Account Features
Earn competitive rate of interest
Free ATM card
Free Internet Banking, Bill Pay and Mobile Banking
Business Loans
Texas Heritage Bank provides a wide range of loans for your business needs:
Real Estate
Owner-occupied
Income-producing
Rental / Investment
Commercial
Working Capital
Equipment
Agricultural
Crop Production
Equipment
Livestock
Land
Call your local banking office for details, or for a personal loan consultation with a local loan officer:
Boerne Loans (830) 249-3955 San Antonio Loans (210) 698-8100 Cross Plains Loans (254) 725-6141
Contact Us
1208 South Main Street Boerne, Texas 78006 (830) 249-3955 (830) 249-3988 - Fax
25060 IH 10 West San Antonio, Texas 78257 (210) 698-8100 (210) 698-8510 - Fax
101 North Main Street Cross Plains, Texas 76443 1 (800) 926-3814 • (254) 725-6141 (254) 725-7166 - Fax