Business Services Brochure

BUSINESS
SERVICES

FINANCIAL SERVICES
Texas Trust is your headquarters for the financial services you need to run your business. We offer a range of low-cost
checking accounts, insurance policies to protect your business, credit cards to suit your needs, and an array of lending
options – we’re proud to be one of the only credit unions who offer Small Business Administration (SBA) loans.
Membership required; new members welcome! Federally insured by NCUA. Mastercard is a registered trademark of Mastercard Incorporated. Deluxe is a
registered trademark of Deluxe Enterprise Operations, Inc. Features and specifications subject to change.

DEPOSITS
Business Checking Accounts
We know that you want the best accounts for your business, so we offer business checking account options without
expensive fees but with free convenient services:
• $50 credit towards Deluxe ® checks of your choice
• Free Business Mastercard ® Debit Card
• Free Online Banking with Bill Pay
• Free Mobile Banking with Mobile Deposit
• Free 24/7 Automated Phone Banking (VIPs)
• Free Notary Service
• Free Signature Guarantee
In addition, you choose the features that are right for your business:
Foundation Checking Professional Checking Executive Checking
Perfect for. . .
Small businesses with
minimal transactions
Medium-size companies
that want to earn dividends
Highly active operations
Minimum to Open $100 $500 $1,500
Minimum Daily Balance $1,000 $2,500 $7,500
Monthly Service Fee
If minimum balance is not met
$9 $12.50 $15
Free Transactions
Per Cycle
70 200 400
First Year Safe Box
Discount 1 $5 off annual rental Free 3” x 10” Free 5” x 10”
Free Domestic Wires 2 N/A N/A 4 per month
Minimum Balance to
Earn Dividends
N/A $2,500 $2,500
Business Money Market Accounts
An account that works just as hard for your business as you do? Sure, we have that too. With the Business Money Market
Account, you have instant 3 access to your business revenue while earning interest. The higher your deposit balance 4 , the more
dividends you will earn. It’s a smart way to deposit your business funds while watching them grow at the same time.
1 Subject to availability | 2 Must meet average daily balance
requirements | 3 Limited to 6 free withdrawals per month including
transfers | 4 A minimum balance of $2,500 is required to open and
maintain this account, and to earn dividends.
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LOANS & CREDIT
Small Business Administration Loans
As a small business owner, you need a reliable partner
who can help fund your dreams. As an authorized Small
Business Administration (SBA) lender, we’re ready to put
you on the path of growth and success.
Options include:
• 7(a) SBA Loans
• 504 SBA Loans
• SBA Express Loans
• SBA Commercial Vehicle Program
The SBA loan programs are varied and the qualifications
for each are specific. Understanding how SBA works
is the first step towards receiving their assistance. And
that’s where we come in. A Texas Trust representative
will guide you through the eligibility requirements and
loan proceed usage possibilities for each loan type.
Real Estate
From land loans to commercial property acquisition, we
offer competitive rates and terms to help you achieve
your growth and expansion goals.
Choose from a variety of Real Estate loans:
• Land
• Investment Property
• Commercial Real Estate
All loans come with flexible rates and terms for added
convenience.
Construction Financing
Our flexible interim construction loans make it easy to
undertake new construction and facility upgrades when
you need them most.
With Construction Financing you enjoy:
• Up to 90% of cost of new construction
• Interest-only payments throughout duration of
construction (up to 2 years)
Loans are available for residential, commercial, and
retail properties.
Term Loans
Whether you need to purchase new equipment or
refinance existing debt, we’ll help you lock in a great
rate with flexible options that fit your budget and time
frame.
Term loan options include:
• Equipment Loans
• Commercial Vehicle Loans
• Real Estate Loans up to 25 years if SBA
• Non-SBA Term Loans up to 15 years with
flexible amortization
Also enjoy flexible terms for cash secure loans.
Lines of Credit
Secured or unsecured, we can assist you with a
convenient line of credit to help you manage expenses
— especially with peak seasonal needs — and maintain
capital for growth.
Lines of Credit are perfect solutions, helping you with
the purchase of:
• Equipment
• Investment properties
There are no pre-payment penalties and you benefit
from flexible terms and rates. Cash secured loans are
also available.
Credit Cards
Our business credit card works like a small business
line of credit, simplifying all of your purchases with one
convenient statement.
Sign up for your Texas Trust Mastercard ® today, and
enjoy a long list of benefits, including:
• Cash back on purchases
• No annual fee
• Low Annual Percentage Rates
• Flexible payment plans
• Worldwide acceptance for global purchase power
• Travel assistance with rental car insurance, extended
warranty and more
• No-penalty interest rates for cash advances or
balance transfers
• No fees for cash advances or balance transfers

INSURANCE
Protection You Can Count On
Insurance protection is part of a solid financial plan. That’s because dependable coverage helps ensure financial relief
when you need it most.
With Texas Trust Insurance Services, you have access to a variety of Business Insurance solutions.
Options include:
• Commercial
• Business Auto
• General Liability
• Property
Call (972) 263-5171 for more information.

MERCHANT SERVICES
Texas Trust has partnered with BancCard of America to provide your business with the tools you need to accept
payments in person or online. In addition, professional set-up and training assistance, equipment, and software
support are all included. We can help you with everything from processing credit card transactions, to eliminating
the hassle of returned checks, and even setting up a loyalty card program.
BancCard of America, Inc. is a Registered MSP/ISO of Elavon, Inc. Georgia, [a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN].
All trademarks are the property of their respective owners.

PAYMENT SOLUTIONS
Credit/Debit Card Services
Let Texas Trust handle your credit
and debit card service needs.
Whether accepting payments by
terminal, PC, mobile, web, or even
recurring payment options, we can
assist with it all.
With our credit and debit card
services, you can confidently accept
payments from your customers using
VISA ® , Mastercard ® , Discover ® or
Amex ® . All the options they want and
all of the technology you need.
Check Services
With Check Services provided to you
by Texas Trust, you can rest assured
that returned checks will be a thing
of the past. With BancCard Check
Service, you will be able to run
check verification instantly. Check
truncation allows the physical check
to be converted into an electronic
payment right on the spot, making
the payment work just like a debit
card.
eCommerce Services
Help expand your clientele and
take your business to the internet!
With eCommerce services, you
can open up a new opportunity
for your business with transactions
on the worldwide web. Online
shopping is easily achieved with
the BancCard products offered
to our business members. Using
eCommerce services as a business
tool is a fast, easy, and convenient
option for your customers.
GIFT AND LOYALTY CARDS
Plastic Options
Customize a gift and loyalty card program for your company
at a cost that’s affordable and impressionable. Plastic cards
offer your customers a satisfying buying experience that
turns new customers into repeat customers.
Gift cards offer:
• More security than paper
• Ease of use for your patrons
• Easily trackable customer information
• Controlled activation
• Buying pattern tracking
• Standardized reporting
• Simple acceptance
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