Question 1

What business accounts does TBK Bank offer?

Accepted Answer

TBK Bank business banking includes three checking tiers — Small Business Checking for startups and sole proprietors, Business Interest Checking for growing companies, and Analysis Checking for high-volume operations where earnings credit offsets service fees. Business savings and money market accounts build reserves. Business CDs offer fixed-rate short-term and long-term options. Every business checking account includes a debit card, online banking, mobile app access, and eStatements.

Question 2

What business lending does TBK Bank offer?

Accepted Answer

TBK Bank business lending covers term loans for equipment and expansion, revolving lines of credit for working capital, commercial real estate loans for owner-occupied and investor properties, and SBA loans including 7(a), 504, and Express programs. SBA 7(a) loans provide up to $5 million with SBA guarantee. TBK Bank maintains SBA preferred lender status, enabling faster credit decisions and closings on qualified small business deals.

Question 3

What treasury services does TBK Bank provide?

Accepted Answer

TBK Bank treasury services include positive pay fraud prevention, ACH origination for payroll and vendor payments, wire transfer initiation with dual-control approval, lockbox services for accounts receivable, remote deposit capture for branch deposit replacement, zero-balance accounts, and merchant services integration. Treasury onboarding includes a dedicated treasury services officer who maps current workflow to specific products.

Question 4

Does TBK Bank provide business online banking?

Accepted Answer

Yes. TBK Bank online banking for business accounts supports role-based permissions so business owners can grant view-only, transfer, or full-origination access to employees. Dual-control approval routes high-value ACH batches and wires through two authorized approvers before release. The TBK Bank mobile app supports the same business credentials with biometric login. All business digital banking runs under 256-bit TLS encryption with multi-factor authentication.

Question 5

What states does TBK Bank business banking serve?

Accepted Answer

TBK Bank business banking serves companies across Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico. The Texas footprint is the largest, with branches in Dallas, Fort Worth, Austin, Houston, and smaller communities across the state. Business relationships span sole proprietors, family-owned partnerships, LLCs, S corporations, and mid-market companies. Industry focus includes agriculture, professional services, logistics, construction, real estate, and manufacturing.

Product	Min. Deposit	Monthly Fee	Best For	Key Benefit
Small Business Checking	$100	$0 activity-based	Sole proprietors, LLCs	Startup simplicity
Business Interest Checking	$2,500	Waivable	Growing small businesses	Earns interest + moderate activity
Analysis Checking	$10,000	Earnings credit offset	Mid-market companies	High-volume treasury ops
Business Savings	$100	$0	Reserves	Tiered APY
Business Money Market	$5,000	Waivable	Idle cash with access	Premium APY + transactions
12-Month Business CD	$5,000	N/A	Short-term locked reserves	Fixed APY
Term Loan	N/A	N/A	Equipment, expansion	Fixed or variable rates
Line of Credit	N/A	Draw fee may apply	Working capital	Flexible access
SBA 7(a) Loan	N/A	N/A	Business acquisition, expansion	Up to $5M, long amort
SBA 504	N/A	N/A	Commercial real estate, equipment	Fixed long-term rate

TBK Bank Business Banking — Complete Service Catalog for Texas SMBs

TBK Bank Business Banking Catalog — April 2026

Four Pillars of TBK Bank Business Banking

Accounts

Lending

Treasury Services

Digital Banking

TBK Bank Business Products — Side-by-Side

TBK Bank Business Online Banking Security

Role-Based Access

Dual Control

Frequently Asked Questions — TBK Bank Business Banking