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Banking for Businesses

Business Checking

Ciera Bank provides simple and convenient checking plans suited to both Commercial Accounts and Small Businesses throughout the community. Like the personal checking options, Ciera Business Checking includes low minimums to open, flexible terms and unlimited withdrawals and/or debit card use.

Enroll today, or meet with a Ciera Banker at one of our convenient Texas locations to find which checking account is right for your business.

Ciera Commercial Checking (plus Interest)

  • Minimum to open $100.00
  • Monthly service charge based on account analysis
  • Interest calculation based on fed funds

Ciera Small Business Checking

  • Minimum to open $100.00
  • Minimum daily balance of $1,000.00 to avoid a $10.00 monthly service charge
  • Non-interest
  • Option of paper statement or E-Statement
  • 150 checks per monthly statement cycle free, .30 fee for each check after the first 150

Business Savings

Opening a Ciera Business Checking account is a great way to earn extra interest on revenues, while maintaining access to operating resources when you need it. With low minimums to open, and up to 6 withdrawals or transfers per monthly cycle, it’s both convenient and flexible. Talk to one of our bankers for more information, or enroll.

  • $100.00 minimum deposit to open
  • No fees for daily balances over $200.00
  • Competitive interest rates

Money Market Accounts

A money market account has characteristics similar to both checking and savings accounts, but typically earns a higher rate of interest due to being based on current money markets. Account holders enjoy easier accessibility than afforded with other types of checking/savings accounts, plus FDIC protection.


Ciera Money Market Savings

  • $2,500.00 minimum to open
  • No monthly fees on daily balances greater than $2,500.00*
  • Up to 6 checks, debits, ACH (or combination of) per monthly statement**
  • Option of paper statement or E-Statement

*A $10.00 monthly service fee will apply if the daily balance is less than $2500.00.
**Excess withdrawals beyond what is allotted, will be assessed a $5.00 fee per item.

Certificate of Deposit

CD's are an FDIC insured, no/low risk savings option allowing personal and business account holders to earn compounded interest on their untouched deposit over a particular span of time. Achieving maturity anywhere from 90 days to 5 years, and with low minimums to get started, CD’s provide a flexible, safe and secure savings option that fits virtually any individual need or business requirement.

  • Fixed and variable rate options available
  • Available for both short- or long-term options (90 days – 60 months)
  • Secured with as little as $50.00 minimum deposit on select CDs

Contact your local branch, or call us for additional details and current rates.

Health Savings Account (HSA)

An HSA helps those with HSA-qualified health plans shoulder the burden of many out-of-pocket medical expenses like office visits, prescription, vision and dental. Contributions are excluded from gross income, interest on the balance is tax deferred, and distributions for qualified medical expenses are tax-free. Please speak with a Ciera Bank representative for more information or visit the Department of the Treasury for more details.

  • Contributions remain in your account – year to year
  • Stays with you even if you leave your employer or work force
  • Converts to a taxable "savings" account at 65 freeing the balance to be used for any purpose
  • Can be transferred to a spousal beneficiary upon death
  • Minimum balance of $100.00 to open
  • Includes automatic monthly transfers from your checking/savings
  • Monitored via Online Banking and/or monthly statement
  • FDIC insured

Commercial Real Estate

Transitioning your business to a new location, upgrading your existing workspace, purchasing land for a future construction, or adding some variety to your portfolio by investing in commercial real estate, can be daunting but well worth the risk. Ciera Bank’s commercial lending team is ready to help you purchase, or refinance, the perfect property for your business. Our staff has the expertise in our local real estate markets to help you make the right decision with offers that conform specifically to your operations.

We offer financing on many property types including:

  • Office Buildings or Office Space
  • Retail
  • Industrial
  • Warehouses
  • Healthcare & Hospitality
  • Religious Centers & Churches
  • Commercial Residential & Multifamily Property Types

Our team is ready to guide you through the entire process from start to finish. Please come in to your local branch today to speak with a Ciera Bank Commercial Lender or call us at 940-549-2040 for more information.

Commercial Construction

Ready to expand your business? Is it time to build a brand-new building or add on to your existing location? No matter what your circumstance may be, the Ciera Lending Team is ready to help by providing you with the funds you need to finance your next development or construction project. Ciera offers competitive rates and terms that allow your business to pay for these projects in stages based on the construction of the project. This helps space out the substantial costs associated with Commercial Construction over a longer period of time preventing your business from having to fund the entire project up front.

  • Loans can be funded in a lump sum or in draws based on project stages
  • Only pay interest on the amount that is outstanding or drawn
  • Permanent financing available upon completion
  • Adjustable-rate options available

Speak to your local Ciera Bank Commercial Lender for additional information to help get you started today!


Commercial and Industrial Loans, are short term loans to your business to help finance capital expenditures or provide working capital to help cover timing gaps between cost outflows and revenue inflows. These loans are ideal for expanding your business or purchasing inventory and can be a great alternative to trying to find equity investors to help finance growth. Some important features of C&I loans:

  • Short term loans: one to two years.
  • Usually backed by collateral owned by the business or by accounts receivable.
  • Flexible rates indexed to the Wall Street Journal Prime rate.
  • Typically require financial performance such as debt service coverage, or a calculation based on receivable.

Letters of Credit

  • Letters of Credit also available, which may help provide your business the documents to guarantee payments that certain suppliers or municipalities may need.
  • Ciera offers Standby and Commercial Letters of Credit to help relieve the burden of risk from your company.

Oil & Gas

An experienced lending staff is an absolute necessity to get you out in the field faster with the tools you need. Ciera Bank can help! Our team consists of lenders with years of experience in the West Texas Oil Field and Board Members with decades of service and operation in the industry to provide guidance. Ciera can offer a range of credit facilities from term notes, lines of credit and letters of credit to aid your company in the many time sensitive tasks associated with this field, such as:

  • The exploration of new potential sites
  • Equipment required in the Production of Oil & Gas
  • Loading, transporting, and processing of Oil & Gas
  • Financing the services required relating to the industry


If your business needs equipment to operate, you are likely to face expenditures not only with the initial purchase, but also with upgrading, replacement and maintenance. Take the stress out of having to purchase “in full” or negotiating with dealers by letting the Ciera team assist you with a commercial equipment loan. We can help finance a wide variety of equipment ranging from vehicles, trailers, aircraft, machinery, and many more.

Some Important factors to consider when inquiring about an Equipment Loan include:

  • Ciera will finance up to 90% financing on new equipment, up to 70% on used.
  • Competitive rates and terms associated with the life of the equipment.
  • Loan is typically secured by a lien on the Equipment itself.
  • Periodic inspections of the equipment by Bank or Bank’s agent.


If you’re a career farmer / rancher, or maybe just a weekend rancher trying to get away, odds are you’re going face some substantial costs with your operation at one point or another. Ciera Bank is equipped with the tools and experience to help you out. We offer a wide range of facilities to finance many related activities such as: Ag Land Purchases, Livestock Financing Lines of Credit, Working Capital options, and Equipment financing (see above). Our roots are in small Texas towns with decades of experience in all things Agriculture. Talk to your local branch representative today to find out more.

Small Business Admin (SBA)

Ciera Bank is committed to fueling the growth of small businesses. Our group of bankers will work with you and your company to walk through the loan process of submitting an SBA 7(A) or 504 Loan. With greater flexibility within the underwriting process an SBA loan can benefit businesses through real estate purchases, new construction, facility expansion, equipment purchases and working capital for inventory.

  • Longer repayment terms
    • Up to 25 years on real estate
    • Up to 10 years on equipment, inventory or working capital
  • Lower equity requirements of up to 90%
  • Fully amortizing (no balloons)
  • Loans up to $5MM


Doing business in a town with population of less than 50,000? Ciera Bank offers USDA loans that may be a fit for your business or personal needs. The USDA bolsters the availability of credit in rural qualifying areas for the following purposes:

  • Acquisition and development of land, easements, rights-of-way, buildings or facilities
  • Equipment, machinery and inventory
  • Business conversion, enlargement, repair or modernization

Associated Services

Mobile Banking
Online Banking

Treasury Management
Foreign Currency
Debit & ATM Cards
Voice Banking

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