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BUSINESS BANKING

        Business Accounts
        Business Loans

            Business Accounts

                  Business Checking   Maintain a minimum daily balance of just $1,000 and
                pay no monthly maintenance service charges, regardless of the number of
             checks or deposits you have.

    Business Interest Checking   This account is for Sole Proprietorships and Non-Profit Organizations only. Maintain a minimum daily balance of just $1,000 and pay no monthly maintenance service charge while you earn interest, compounded daily, on your account. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Business Money Market   Pay no monthly maintenance service charges and earn interest when your company maintains a minimum daily balance of $1,000. This tiered rate account pays an increasing rate of interest as your company's balance increases, permitting us to pay the highest yield possible. You may have up to six preauthorized transfers including: automatic, computer, and Automated Clearing House (ACH) per month, of which no more than three can be made by check, debit card, draft, or similar order. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Escrow Management Accounts   This account combines separate escrow account funds into a single "master" account. Separate account records are maintained for each sub-account and you are provided with a comprehensive statement each month. Costly paperwork is reduced and a clear audit trail is maintained. The FDIC insures each deposit for up to $100,000. Allegiance Bank will mail each customer a 1099 form and handle all required IRS reporting for you.

Merchant Deposit Accounts   Merchant depository services are available to assist you in the processing of your credit card sales transactions. Please see your Personal Banker with any questions, for the detail Terms and Conditions of your account.

Business Master Money™ Debit Card   With your Allegiance Bank Business Master Money™ Debit Card, you can make withdrawals and purchases anywhere STAR or MasterCard is accepted, as well as deposits at most STAR machines. Your transactions are posted to your checking account and are detailed on your monthly statement. To report a lost or stolen Master Money Debit Card, please call 800-500-1044.

Business Internet Banking   Offering all the same advantages as Personal Internet Banking, your visit to AllegBank.Com through your personal computer and Internet connection allows for 24 hour banking from your home or business, access to account information and the capability to transfer funds between Allegiance Bank accounts. Additional functionality is available to assist you in the management of your business. See your Personal Banker for more details.

Business Loans

No matter what business you are in, we'll listen to your plans and tailor financing to achieve your goals. Some of our options include:

Commercial Loans   A Line of Credit, Revolving, or Term Loan can be structured to provide your company with required working capital.

Commercial Mortgages   For both Investor and Owner Occupied properties, Allegiance Bank offers a diverse selection of real estate financing.

Construction Financing   When in the initial stages of expansion or improvements, contact Allegiance Bank for assistance in financing your project.

Equipment/Vehicle Financing   When new equipment or vehicles are needed to build your business, we can help with financing.

Letters of Credit   When you need to secure performance or payment obligations, Allegiance Bank can help with standby letters of credit.

Business Visa®

A variety of credit card options are available to help you manage your company's expenses more efficiently.

Additional Business Services

Allegiance Bank offers competitive specialized services to help meet your business needs. Some of these services include:

   IOLTA Accounts
   Sweep Accounts
   Federal Tax Depository Service
   Night Deposit
   Safe Deposit Boxes
   Telephone Transfers
   U.S. Treasury Bill Purchases
   Domestic and International Wire Transfers
   Remote Deposit Capture
   STAR Overdraft Courtesy

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