commercial Banking

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