Kleberg Bank - Business Banking

Whatever the size of your business, you'll find Kleberg Bank has financial services that fit. From small businesses to large corporations, your Kleberg Bank accounts are flexible, so you have complete control and access to your banking activities. Choose from several checking account solutions available for you.

Checking Solutions

Free Business Checking: The Perfect Answer for small businesses and in-home enterprises.

No monthly service charge
No minimum balance
400 FREE Transactions each month: transactions over 400 are only 25¢ per item (check, deposit, deposited item, and other debits and credits)
Check Images* are available for $5 per month
Free Combined Statement
Overdraft Access is available with approved credit

Commercial Business Checking: Full-service checking for companies with large volumes or more complex activity.

No monthly service charge with balances that are adequate to offset costs
Service charges are determined by analysis of the account activity, offsetting balances, and the fee schedule
The earnings credit rate, which varies with market conditions, is applied to determine the amount of services that can be offset with the balances in your accounts
Unlimited check writing privileges
Overdraft Access is available with approved credit

Custom Checking: You determine what functions best for you. We work together to determine exactly what's best for your specific situation, and we'll build-to-suit a custom made account with features and benefits that are specifically designed to meet your most sophisticated needs. Custom Checking may save you time, cost, and enhance the checks and balances for internal controls to improve the security protecting the integrity of your banking activities. Ask any Business Banker about Custom Checking.
Checking With Interest: A checking account available, by law, only for sole proprietorships, non-profit organizations, and trade & professional associations.

No monthly service charge with a Combined Statement minimum daily balance of $2,500 or an average ledger balance of $5,000; only $10 per month with smaller balances
No opening balance requirement
Free Combined Statement
Free ATM and/or Debit card
Check Images are available for $5 per month
Overdraft Access is available with credit approval
Interest is compounded and credited monthly
The first 100 items are free, including each check, deposit, deposited item, and other debits and credits; then just 30¢ per item

*Check Images: Kleberg Bank provides state-of-the-art Check Images to make storage and retrieval of checks simpler, faster and easier. The Bank does not retain, or return, original canceled checks. Free Check Images are available OnLine at www.klebergbank.com. For a small fee, Check Images, including deposit images, (front and/or back) are available with your monthly statement. Check Images are printed clearly on standard size paper, pre-punched for storage in a three-ring binder. Images are provided in check number order with the check number, processing date and amount of the check printed below each item. Check Images are accepted as proof of payment, and may be enlarged for those with vision impairments.

Savings Services

Money Market Account: Earn higher interest rates for larger balances!

No monthly service charge with a Combined Statement minimum daily balance of $2,500 or an average ledger balance of $5,000; only $10 per month with small balances
Free Combined Statement
Free ATM and/or Debit card
Regulation D applies: Federal regulations limit the number of withdrawals or transfers to six per month, by phone, ACH Debits (not POS), Online, wire transfers, or overdraft coverage and only three of the six can be made by check, draft, or debit card payable to third party. Additional withdrawals or transfers are $10 each and excess withdrawals subject the account to being closed. You may make unlimited withdrawals by mail, in person or at the ATM.
Free Check Safekeeping: Check Images available for $5 per month
Interest is compounded and credited monthly
Earn higher interest rates for larger balances: $0 - $ 4,999 $ 5,000 - $ 24,999 $ 25,000 - $ 99,999 $ 100,000 - $ 199,999 $ 200,000 - and over
Savings Account: To complement any business checking account.

No monthly service charge with a minimum daily balance of $250; $5 monthly service charge with smaller balances
No opening balance requirement
Regulation D applies: Federal regulations limit the number of withdrawals or transfers to six per month, by phone, ACH Debits (not POS), Online, wire transfers, or overdraft coverage and only three of the six can be made by check, draft, or debit card payable to third party. Additional withdrawals or transfers are $10 each and excess withdrawals subject the account to being closed. You may make unlimited withdrawals by mail, in person or at the ATM.
Interest is compounded and credited monthly

Cash Management Services

Regardless of the type of business account you choose, Kleberg Bank offers a complete range of cash management solutions to bring you expanded capabilities and innovative financial solutions, regardless of the size of your business.
OnLine Banking Services: Convenient and secure access to information and to initiate transactions via the Internet: OnLine Banking gives you immediate “real-time” access to transaction detail, payment initiation, check images, historical balances, and account reconcilement…all within a secure environment that you manage. You have access to all of your check and deposit images for the last 99 days, or indefinitely when your statements are delivered on a CD.
Automated Clearing House (ACH) Services:

Initiate and Manage ACH Transactions Directly - A convenient and cost-effective way for timely payment of your payroll, taxes and suppliers. You initiate ACH transactions with OnLine Banking via the Internet.

Internet/Website/Touch-tone/ACH Services - Receive and make payments in a fast, convenient, and cost effective manner using our state of the art technology and your internet and telephone service.
Electronic Desktop Deposits - Save processing, travel, and waiting-in-line time with our innovative and secure system for depositing your checks...right from your desktop.

Sweep Account Services: Improve cash flow and liquidity with a cash concentration account by moving funds to a central account. You gain complete control of your company's daily cash position and may reduce interest expense for your line of credit.
Lockbox Services: Reduce operational and administrative costs and improve funds availability.
Account Reconcilement Services: Improve internal operating efficiencies by facilitating accurate, inexpensive and timely reconcilement of paid items on your commercial checking accounts. Account statements and history are available on a compact disc (CD) so you have complete historical access to images of all statements, checks and deposits.
Wire Transfer Services: Initiate wire transfers OnLine or by fax, and receive advice of incoming funds.
Night Deposit Services: Make deposits at night or over the weekend in a safe, quick and efficient manner.
Vault Services: Deposit or order coin and currency safely, quickly, and efficiently.
Merchant Services: Increase revenue and customer loyalty, decrease the administrative cost and risk of receivables with this service that allows you to accept credit and debit cards.



Security Information Home Page Lending Products Credit Cards Mortgage Loans Business Banking Personal Banking OnLine Banking Investment Products Locations What's New About Us General Information Employment Calculators For Students Kids Corner Interesting Links Privacy & Security Disclosures Contact Us Secure Email Log In			Business Banking Are you ready to take control of your company's banking activities? Click here to access our secure applications. Whatever the size of your business, you'll find Kleberg Bank has financial services that fit. From small businesses to large corporations, your Kleberg Bank accounts are flexible, so you have complete control and access to your banking activities. Choose from several checking account solutions available for you. Checking Solutions Free Business Checking: The Perfect Answer for small businesses and in-home enterprises. No monthly service charge No minimum balance 400 FREE Transactions each month: transactions over 400 are only 25¢ per item (check, deposit, deposited item, and other debits and credits) Check Images* are available for $5 per month Free Combined Statement Overdraft Access is available with approved credit Commercial Business Checking: Full-service checking for companies with large volumes or more complex activity. No monthly service charge with balances that are adequate to offset costs Service charges are determined by analysis of the account activity, offsetting balances, and the fee schedule The earnings credit rate, which varies with market conditions, is applied to determine the amount of services that can be offset with the balances in your accounts Unlimited check writing privileges Overdraft Access is available with approved credit Custom Checking: You determine what functions best for you. We work together to determine exactly what's best for your specific situation, and we'll build-to-suit a custom made account with features and benefits that are specifically designed to meet your most sophisticated needs. Custom Checking may save you time, cost, and enhance the checks and balances for internal controls to improve the security protecting the integrity of your banking activities. Ask any Business Banker about Custom Checking. Checking With Interest: A checking account available, by law, only for sole proprietorships, non-profit organizations, and trade & professional associations. No monthly service charge with a Combined Statement minimum daily balance of $2,500 or an average ledger balance of $5,000; only $10 per month with smaller balances No opening balance requirement Free Combined Statement Free ATM and/or Debit card Check Images are available for $5 per month Overdraft Access is available with credit approval Interest is compounded and credited monthly The first 100 items are free, including each check, deposit, deposited item, and other debits and credits; then just 30¢ per item Check Images: Kleberg Bank provides state-of-the-art Check Images to make storage and retrieval of checks simpler, faster and easier. The Bank does not retain, or return, original canceled checks. Free Check Images are available OnLine at www.klebergbank.com. For a small fee, Check Images, including deposit images, (front and/or back) are available with your monthly statement. Check Images are printed clearly on standard size paper, pre-punched for storage in a three-ring binder. Images are provided in check number order with the check number, processing date and amount of the check printed below each item. Check Images are accepted as proof of payment, and may be enlarged for those with vision impairments. Savings Services* Money Market Account: Earn higher interest rates for larger balances! No monthly service charge with a Combined Statement minimum daily balance of $2,500 or an average ledger balance of $5,000; only $10 per month with small balances Free Combined Statement Free ATM and/or Debit card Regulation D applies: Federal regulations limit the number of withdrawals or transfers to six per month, by phone, ACH Debits (not POS), Online, wire transfers, or overdraft coverage and only three of the six can be made by check, draft, or debit card payable to third party. Additional withdrawals or transfers are $10 each and excess withdrawals subject the account to being closed. You may make unlimited withdrawals by mail, in person or at the ATM. Free Check Safekeeping: Check Images available for $5 per month Interest is compounded and credited monthly Earn higher interest rates for larger balances: $0 - $ 4,999 $ 5,000 - $ 24,999 $ 25,000 - $ 99,999 $ 100,000 - $ 199,999 $ 200,000 - and over Savings Account: To complement any business checking account. No monthly service charge with a minimum daily balance of $250; $5 monthly service charge with smaller balances No opening balance requirement Regulation D applies: Federal regulations limit the number of withdrawals or transfers to six per month, by phone, ACH Debits (not POS), Online, wire transfers, or overdraft coverage and only three of the six can be made by check, draft, or debit card payable to third party. Additional withdrawals or transfers are $10 each and excess withdrawals subject the account to being closed. You may make unlimited withdrawals by mail, in person or at the ATM. Interest is compounded and credited monthly Cash Management Services Regardless of the type of business account you choose, Kleberg Bank offers a complete range of cash management solutions to bring you expanded capabilities and innovative financial solutions, regardless of the size of your business. OnLine Banking Services: Convenient and secure access to information and to initiate transactions via the Internet: OnLine Banking gives you immediate “real-time” access to transaction detail, payment initiation, check images, historical balances, and account reconcilement…all within a secure environment that you manage. You have access to all of your check and deposit images for the last 99 days, or indefinitely when your statements are delivered on a CD. Automated Clearing House (ACH) Services: Initiate and Manage ACH Transactions Directly - A convenient and cost-effective way for timely payment of your payroll, taxes and suppliers. You initiate ACH transactions with OnLine Banking via the Internet. Internet/Website/Touch-tone/ACH Services - Receive and make payments in a fast, convenient, and cost effective manner using our state of the art technology and your internet and telephone service. Electronic Desktop Deposits - Save processing, travel, and waiting-in-line time with our innovative and secure system for depositing your checks...right from your desktop. Sweep Account Services: Improve cash flow and liquidity with a cash concentration account by moving funds to a central account. You gain complete control of your company's daily cash position and may reduce interest expense for your line of credit. Lockbox Services: Reduce operational and administrative costs and improve funds availability. Account Reconcilement Services: Improve internal operating efficiencies by facilitating accurate, inexpensive and timely reconcilement of paid items on your commercial checking accounts. Account statements and history are available on a compact disc (CD) so you have complete historical access to images of all statements, checks and deposits. Wire Transfer Services: Initiate wire transfers OnLine or by fax, and receive advice of incoming funds. Night Deposit Services: Make deposits at night or over the weekend in a safe, quick and efficient manner. Vault Services: Deposit or order coin and currency safely, quickly, and efficiently. Merchant Services: Increase revenue and customer loyalty, decrease the administrative cost and risk of receivables with this service that allows you to accept credit and debit cards. Qaz@wsx852pl,(ijn