Commercial Account Analysis Program

The Commercial Account Analysis Program is designed for high activity commercial account customers. Commercial account customers may be placed on “account analysis” after contact from a bank representative. One feature of the Commercial Account Analysis Program involves the Earnings Credit. The Earnings Credit is based on a rate that is equal to the average Fed funds rate for the month, minus 1%. Fees on Service Charges, except for NSF charges, may be offset by the Earnings Credit.

EXPLANATION OF EARNINGS CREDIT CALCULATION

Avg Monthly Ledger Bal – Float & Collected Funds = Avg Collected Bal – Reserve Requirements at 10.0% = Investable Balance Investable Bal X Earnings Credit Rate / 365 X NO. of Days in the Month = Earnings Credit.

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First ACCESS is a quick, convenient service designed to give you instant access to current information on your checking and savings accounts. You can use it any time you need it, day or night, 7 days a week. We call it First Texas Bank-First ACCESS , you will call it “great”.