Deposit Accounts

 

Permanent Changes to FDIC Deposit Insurance Coverage

The standard insurance amount is $250,000 per depositor.

                            

                          

 

 

               Non-Interest Bearing Accounts

 

Personal Checking Features   Monthly Fees
  • Minimum opening deposit is $100

  • Fees waived for direct deposit of social security benefits with proper notice to the bank

  • Images of canceled checks and deposits are returned with statement

 

 

Daily Balance
$700 and over - none

Under $700 - $6-$9

Free Checking Plus   Monthly Fees
  • Personal checking account with a minimum opening deposit is $100

  • Unlimited check writing

  • First order of duplicate checks are Free

  • Canceled checks and deposits are not returned with statement

 

 

None

No minimum balance requirement.

"First Choice" Checking Features   Monthly Fees
  • Minimum opening deposit is $100

  • No minimum balance requirement

  • Account Balance Bonus  
    Any month that an average collected balance of $2,000 or more is kept, the fee will be one-half for that month

  • Unlimited Checking
    no per-check charges

  • Personalized checks 
    Receive all the personally imprinted "First Choice" checks you need (wallet or duplicate) at no additional cost to you, or choose from our extensive check catalog and receive 50% off your selection (1 box per order, please)

  • Order Checks On-Line

  • Money Orders                                          This secure, convenient instrument is available to you at no issue fee

  • Cashier's Checks
    Available for only one-half our normal issue charge

  • Visa Checkcard
    (subject to credit approval)

  • ATM Card with no annual fee

  • Texas Highways Magazine Subscription - Enjoy the beauty of Texas from the comfort of your easy chair.  Your free subscription will allow you to receive the latest issue in the mail monthly

 

 

Average Collected Balance
$2,000 and over - $4

Under $2,000 - $8

Business Checking Plan   Monthly Fees
  • Minimum opening deposit is $300
 

 

 Avg. Daily Balance
$5,000 and over - none

Under $5,000 - $7.50

 

Interest Bearing Accounts

Personal Savings Account Features

  • Minimum opening deposit is $100
  • Variable rate compounded quarterly

  • No monthly fees. $1.00 per transaction over 3 per quarter
   
NOW Account Features   Monthly Fees
  • Minimum opening deposit is $1000

  • Variable rate, compounded monthly

  • Excessive withdrawals fee is $0.10 per debit over 50 

 

 

Daily Balance

Under $1,000- $10- Fee

Personal Money Market Account Features   Monthly Fees

 

  • Minimum opening deposit is $2500
  • Variable rate, compounded monthly
  • Excessive withdrawals fee is $3 per debit over 6
 

 

Daily Balance

$2,500 and over - No Fee

Under $2,500 - $15 Fee.

"Century Money Market" Account   Monthly Fees
  • Minimum opening deposit is $1000
  • Variable rate, compounded monthly
  • Excessive withdrawals fee is $3 per debit over 6

* Call for current Annual Percentage Yields

 

 

Daily Balance

Balance and Earnings Tiers:
$ 1,000 to $ 9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 +

Under $1,000 - $10 Fee.