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Personal Banking: Personal Accounts

CHECKING ACCOUNTS

REGULAR CHECKING

A basic checking account that gives you the option of not paying a service charge if the required minimum balanced is maintained.

• Minimum opening balance $100.00
• Tiered Monthly Service Fee varies depending upon minimum daily balance:
  • $500.00 and up       no charge
  • $300.00 - 499.99     $4.00
  • $100.00 - 299.99     $6.00
  • $0.00 - 99.99            $8.00
• Excess debit fee of $0.10 will be charged for each debit in excess of 20 during a statement cycle
• Overdraft protection is available through a savings account
• Direct deposit available

BONUS BANKING

A checking account that offers access to many different benefits at a very reasonable cost.

• Minimum opening balance $100.00
• Monthly Service Fee varies depending upon minimum daily balance:
  • $500.00 and up        $8.00
  • $0.00-499.99            $10.00
• Unlimited check writing
• First order of printed bank stock checks free
• 5 free money orders or 2 free cashier’s checks per month
• Free single signature American Express Travelers Cheques
• Overdraft protection is available through a savings account
• Direct deposit available
• Many other member benefits available

SENIOR PREFERRED

An account designed for those 59 years of age or older. This account allows you to receive all of the benefits of the Bonus Banking account at no cost or charge by maintaining a required minimum balance.

• Minimum opening balance $100.00
• Monthly Service Fee varies depending upon minimum daily balance:
  • $500.00 and up        no charge
  • $0.00-499.99            $5.00
• Unlimited check writing
• First order of printed bank stock checks free
• 5 free money orders or 2 free cashier’s checks per month
• Free single signature American Express Travelers Cheques
• Overdraft protection is available through a savings account
• Direct deposit available
• Many other member benefits available

FACULTY FAVORITE

An account that is designed with the school employee in mind. This account allows you to receive all of the benefits of the Bonus Banking account at no cost or charge by maintaining a low minimum balance.

• Minimum opening balance $100.00
• Monthly Service Fee varies depending upon minimum daily balance:
  • $200.00 and up        no charge
  • $0.00-199.99            $2.00
• Unlimited check writing
• First order of printed bank stock checks free
• 5 free money orders or 2 free cashier’s checks per month
• Free single signature American Express Travelers Cheques
• Overdraft protection is available through a savings account
• Direct deposit available
• Many other member benefits available

NOW ACCOUNT

A competitive interest bearing account that requires a minimum balance to avoid the service charge.

• Minimum opening balance $1,000.00
• Monthly Service Fee varies depending upon minimum daily balance:
  • $1,000.00 and up    no charge
  • $0.00-999.99            $10.00
• Excess debit fee of $0.10 will be charged for each debit in excess of 40 during a statement cycle
• Variable rate of interest paid
• Overdraft protection is available through a savings account
• Direct deposit available

MONEY MARKET

An interest bearing account with premium rates and limited check writing.

• Minimum opening balance $2,500.00
• Monthly Service Fee varies depending upon minimum daily balance:
  • $2,500.00 and up     no charge
  • $0.00-2,499.99         $10.00
• Excess debit fee of $5.00 will be charged for each debit in excess of 6 during a statement cycle
• Tiered variable rate of interest paid
• Direct deposit available
  

SAVINGS ACCOUNTS

REGULAR SAVINGS

• Minimum opening balance $200.00
• Monthly Service Fee varies depending upon minimum daily balance:
  • $200.00 and up        no charge
  • $0.00-199.99            $2.00

  *Fees waived for minors (under age 18)

• Excess debit fee of $2.00 will be charged for each debit in excess of 2 during a month
• Direct deposit available
• Interest credited quarterly
• Statements cycle quarterly
  
  

CERTIFICATES OF DEPOSIT / IRAs

CERTIFICATES OF DEPOSIT

The Bank of Texas offers Certificates of Deposit with a range of maturities and yields to meet your financial needs. With full FDIC insurance up to $100,000, your Certificate of Deposit gives you the maximum security possible.

• Minimum opening balance $1,000.00
• You will be notified when your CD matures and you will have a grace period of 10 calendar days to renew or withdraw funds without penalty
• Withdrawals prior to maturity are subject to an early withdrawal penalty
• FDIC Insurance up to $100,000

INDIVIDUAL RETIREMENT ACCOUNTS

An account that was established to encourage individuals to save money for retirement.

• Minimum opening balance $1,000.00
• Tax-deferred earnings
• Tax deductible contributions
• FDIC Insurance up to $100,000
  

Please consult your tax advisor about deductibility of contributions and other tax benefits.

 

ATM CARDS & DEBIT CARDS

ATM CARD

Allows cash withdrawals, point-of-sale transactions or balance inquiry from checking or savings accounts

• Free transactions at an ATM machine owned by The Bank of Texas
• Point-of-sale transaction fee is on a per transaction basis
• Dollar limit for withdrawal and point-of-sale transactions is $400.00 per day
• Accepted anywhere Pulse and Cirrus cards are accepted
• $1.50 charge plus terminal fee may be assessed if ATM is not owned by The Bank of Texas

DEBIT CARD

• Fast, easy and convenient

• No check to write

• Offers you cash access around the world

• Use instead of checks wherever Visa cards are accepted

• Can be used as a pulse card, or like a credit card, that immediately deducts the money from your checking account

Debit cards are subject to credit approval. Some restrictions may apply.

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