Business Checking

Q: Is there a business checking account with no monthly fee at Moody Bank?

Yes. Moody Bank's Small Business Checking account has no monthly service charge, requires $100 to open, and has no ongoing minimum balance requirement.

Q: What is the Moody Treasury Fund and who qualifies?

The Moody Treasury Fund is designed for larger commercial clients with substantial operating balances. It is an interest-bearing option and can provide access to treasury management services. Minimum balance requirements apply.

Q: Does Moody Bank offer business checking for nonprofits?

Yes. Moody Plus SP/NPO Checking is available for qualifying sole proprietorships and nonprofit organizations. The account requires a $1,500 minimum opening balance and includes online banking, mobile banking, e-statements, and access to treasury management services.

Q: Is my Moody Bank business checking account FDIC insured?

Yes. Moody Bank is a Member FDIC, and eligible business deposits are insured in accordance with applicable FDIC coverage limits.

Q: What digital banking tools come with a Moody Bank business checking account?

Moody Bank business checking accounts offer digital banking tools such as online banking, mobile banking, and e-statements. Bill Pay is available for a monthly fee, and treasury management services are available for qualifying business customers.

Q: What is the minimum deposit to open a business checking account at Moody Bank?

Minimum opening deposits vary by account. Small Business Checking requires $100, Commercial Checking requires $500, and Moody Plus SP/NPO Checking requires $1,500. The Moody Treasury Fund has substantially higher minimum balance requirements.

Q: How much does Bill Pay cost for Moody Bank business accounts?

Bill Pay is available for eligible Moody Bank business checking accounts for $10 per month.

Q: Does Moody Bank open business checking accounts for Texas LLCs and corporations?

Moody Bank serves a variety of Texas businesses and organizations, including LLCs, corporations, sole proprietors, partnerships, and nonprofits, subject to account eligibility and documentation requirements.

Q: What is the Commercial Checking account at Moody Bank?

Moody Bank's Commercial Checking account is designed for growing businesses. It requires $500 to open, has no ongoing minimum balance requirement, and includes online banking, mobile banking, e-statements, optional Bill Pay, and access to treasury management services.

Whether you’re launching a new venture or managing a growing company, Moody Bank offers business checking options tailored to your unique needs.

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Checking Accounts
For Every Business

We’re your one-stop bank for the options, tools and resources you’ll need at every stage of your business’ growth. Safeguard, oversee, grow and get access to your funds whenever you need them.

Feature	Small Business Checking	Commercial Checking	Moody Plus SP/NPO Checking⁵	Moody Treasury Fund
Minimum Opening Balance	$100	$500	$1500	$500,000¹
Minimum Balance Required	$0	$0	$1500²	$500,000²
Monthly Service Charge	$0³	$12.50	$10⁶	$0
Interest Bearing Account				✓
E-Statements	✓	✓	✓
Online Banking	✓	✓	✓
Bill Pay	$10	$10	$10
Mobile Banking⁴	✓	✓	✓
Additional Benefits	Treasury Management Services available	Treasury Management Services available	Treasury Management Services available	FDIC insured up to $60 million

¹Must open or maintain a Moody Bank checking account with a minimum balance of $500,000. Remaining funds will be swept to Treasury Fund (minimum combined balance must be $500,000). ²Minimum balance in order to receive disclosed annual percentage yield. ³Limited to 100 free debits per month. 50 cents per debit transaction after 100. ⁴Mobile Banking requires enrollment through Online Banking and download of the Moody Bank mobile app. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone and Android devices. Mobile deposit limit is $3,500 per day or $7,000 per month and a maximum of 10 deposits per month. For higher business mobile deposit limits, a referral to Treasury Solutions is required. ⁵Account offered for sole proprietorship and non profit organizations. ⁶If balance falls below minimum ($1,500). If balance falls below minimum, a charge of 12 cents ($0.12) per debit will apply.

Business Checking FAQs

1. What business checking accounts does Moody Bank offer?

Moody Bank offers four business checking options: Small Business Checking (open with $100, no monthly fee), Commercial Checking (open with $500, $12.50/month), Moody Plus SP/NPO Checking for nonprofits and special-purpose entities (open with $1,500, $10/month), and the Moody Treasury Fund for large commercial clients (open with $500,001). All accounts include online and mobile banking. View Business Checking Accounts

2. Is there a business checking account with no monthly fee at Moody Bank?

Yes — the Small Business Checking account has no monthly service charge and requires just $100 to open with no ongoing minimum balance requirement, making it an ideal starting point for new Texas entrepreneurs and small businesses.

3. What is the Moody Treasury Fund and who qualifies?

The Moody Treasury Fund is Moody Bank's premium business checking account for large commercial clients. It requires a minimum opening deposit of $500,001 and an ongoing minimum balance of $1,000,000. It carries no monthly service charge and includes full access to treasury management services. Explore Treasury Management

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4. Does Moody Bank offer business checking for nonprofits?

Yes — the Moody Plus SP/NPO Checking account is designed specifically for special-purpose organizations and nonprofits. It requires a $1,500 minimum opening balance and charges $10 per month. It includes online banking, e-statements, mobile banking, and access to treasury management services.

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5. Is my Moody Bank business checking account FDIC insured?

Yes. Moody Bank is FDIC insured, and business deposits are protected up to $35 million — far exceeding the standard $250,000 FDIC limit. This gives Texas businesses exceptional peace of mind when holding large operating balances.

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6. What digital banking tools come with a Moody Bank business checking account?

All Moody Bank business checking accounts include online banking, mobile banking, and e-statements at no extra charge. Bill Pay is available for $10/month. Commercial Checking and above also include access to treasury management tools such as remote deposit capture, ACH payments, and payroll services. See Treasury Management Services

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7. What is the minimum deposit to open a business checking account at Moody Bank?

The minimum opening deposit varies by account: $100 for Small Business Checking, $500 for Commercial Checking, $1,500 for Moody Plus SP/NPO Checking, and $500,001 for the Moody Treasury Fund. There is no ongoing minimum balance requirement for the Small Business or Commercial accounts.

8. How much does Bill Pay cost for Moody Bank business accounts?

Bill Pay is available on all Moody Bank business checking accounts for a flat $10 per month. It lets business owners schedule payments, manage recurring bills, and control cashflow directly from their Moody Bank online banking dashboard.

9. Does Moody Bank open business checking accounts for Texas LLCs and corporations?

Yes. Moody Bank serves businesses of all structures — LLCs, corporations, sole proprietors, partnerships, and nonprofits — across Houston, Galveston, and Austin, TX. Decisions are made locally for faster service. Banking Tips for New Entrepreneurs →

10. What is the Commercial Checking account at Moody Bank?

The Commercial Checking account at Moody Bank requires $500 to open with no ongoing minimum balance. It charges $12.50 per month and includes online banking, mobile banking, e-statements, optional Bill Pay, and access to treasury management services — a strong fit for growing Texas businesses.