Deposit Accounts
Personal Accounts
Business and Non-Profit Organization Accounts
Regular Checking Account Typical bank services provided. A minimum opening balance is required and the monthly account fee varies with the minimum cycle balance. When a certain minimum cycle balance is maintained, there is no monthly account fee. |
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| Minimum opening balance | $ 200.00 |
| Minimum cycle balance to qualify for no monthly account fee | $ 700.00 |
| Minimum balance $699.99 and under $8.00 | |
| Minimum balance $699.99 and under $7.00 with electronic deposit | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
EZ Free Checking Account A personal checking account with no monthly minimum balance fee. The account has unlimited check writing. This is a truncated account where the items are not returned in the monthly statement and original items are not available - copies may be obtained. The account allows free Audio Response (CAL). In addition, you receive Free Home Town Internet and a three statement cycle trial use of our free unlimited internet bill payment service. The account must have direct deposit to qualify. |
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| Minimum opening balance | $ 100.00 |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Senior Checking Account Checking account that allows a Senior to maintain an account with a lower minimum balance to qualify for no account fees than those required by the Regular Checking Account. |
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| Minimum opening balance | $ 200.00 |
| Minimum cycle balance to qualify for no monthly account fee | $ 200.00 |
| Minimum balance $200.00 and under $2.00 | |
| Unlimited check writing | |
| Senior: At least 55 years of age | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Student Checking Account Checking account that allows a student to maintain an account with a lower minimum balance to qualify for no account fees than those required by the Regular Checking Account. |
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| Minimum opening balance | $ 200.00 |
| Minimum cycle balance to qualify for no monthly account fee | $ 200.00 |
| Minimum balance $200.00 and under $2.00 | |
| Unlimited check writing | |
| Student: Still attending school, including college or university | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Disabled Citizen Checking Account Checking account that allows a disabled customer to maintain an account with a lower minimum balance to qualify for no account fees than those required by the Regular Checking Account. |
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| Minimum opening balance | $ 200.00 |
| Minimum cycle balance to qualify for no monthly account fee | $ 200.00 |
| Minimum balance $200.00 and under $2.00 | |
| Unlimited check writing | |
| To qualify, a customer must be disabled as defined by ADA | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Thrift Checking Account For customers who write fewer numbers of checks per month. Lower minimum opening balance than the Regular Checking Account and lower monthly account fee that is fixed, except when a minimum cycle balance is maintained there is no account charge. There is no fee for the first 10 checks written per month. |
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| Minimum opening balance | $ 100.00 |
| Minimum cycle balance to qualify for no monthly account fee | $ 700.00 |
| Minimum balance $700.00 and under $3.00 | |
| No fee for the first 10 checks written per month, $.50 each thereafter | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
HomeTown Club Checking Account Offers a number of the bank's most popular services and some additional features for a fixed monthly fee. The minimum opening balance is the same as a Regular Checking Account. Unlimited check writing. Alternative NOW interest-bearing accounts are also available to HomeTown Club members. |
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| Minimum opening balance | $ 200.00 |
| Minimum cycle balance to qualify for no monthly account fee | None |
| Monthly Club fee | $ 9.00 |
| Monthly Club fee for Seniors | $ 4.50 |
| Unlimited check writing | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
NOW Interest-Bearing Personal Checking Account The interest rate paid for funds in this account varies, is compounded monthly and is credited to the account monthly. Interest on the account is based on the daily balance which must be the same, or more, than the minimum deposit amount required to open the account. There are no account fees when a minimum cycle balance is maintained. |
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| Minimum opening balance | $ 1500.00 |
| Minimum cycle balance to qualify for no monthly account fee | $ 1500.00 |
| Monthly fee if minimum account cycle balance not maintained | $ 10.00 |
| Minimum daily balance to earn interest | $ 1500.00 |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Money Market Checking Requires a minimum opening deposit and balance in order to be credited with the interest earnings. The interest rate varies, is compounded monthly and is credited to the account monthly. Interest on the account is calculated based on the daily balance which must be a minimum amount to qualify. Six transfers of certain types are allowed during each monthly statement cyle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. There are no account fees when the minimum balance is maintained. |
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| Minimum opening balance | $ 2500.00 |
| Monthly Service Fee when minimum cycle balance is at least $2500. | None |
| Monthly Service Fee when minimum cycle balance is below $2500. | $ 10.00 |
| Minimum daily balance to earn interest | $ 2500.00 |
| No transaction fee for up to six checks written or other type debits per account cycle. | |
| $10.00 per item for items beyond six per account cycle. | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Personal Passbook Savings Account An interest-bearing account that requires a minimum deposit to open and low minimum balance to qualify for earnings. Interest rate and annual percentage yield may change on a weekly basis. Interest is compounded quarterly and is credited to the account quarterly. A daily balance method is used to calculate the interest on the account. An account fee is charged if the balance is below the minimum specified. |
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| Minimum opening balance | $ 200.00 |
| Quarterly fee if minimum quarterly balance is below minimum | $ 7.50 |
| Three free withdrawals per month, each additional withdrawal | $ 5.00 |
| Minimum daily balance to earn interest | $ 1.00 |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Minor's Passbook Savings An interest-bearing passbook account for minors. |
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| Minimum opening balance | $ 25.00 |
| Quarterly fee if minimum quarterly balance is below minimum | None |
| Three free withdrawals per month, each additional withdrawal | $ 5.00 |
| Minimum daily balance to earn interest | $ 1.00 |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Certificate of Deposit Certificates of Deposit are investments that guarantee a rate of return which varies depending upon several factors, including the size of the investment and the length of time before the investment matures. Certificate maturities are available for seven days or more and from $1,000. |
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| Minimum Certificate amount | $1000.00 |
| Interest rate will vary with the term (maturity time) and the amount of the investment. Inquire for current rates. | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Secure Rate Certificate of Deposit A 17 month Certificate of Deposit that allows investor to change the original interest rate after seven months to a higher rate if the rate on the CD goes up. The investor can change the rate only one time after the first seven months and the new rate will remain in effect for the balance of the 17 month term. Inquire for current rates. |
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| Minimum Certificate amount | $ 1000.00 |
| Fixed maturity time | 17 months |
| Interest rate paid | adjustable |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Business Checking Account A non-interest-bearing checking account for businesses requiring a minimum amount to open. Account fees are adjusted by account analysis which reduces monthly fees with an earnings credit based on our current money market rates. |
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| Minimum opening balance | $ 200.00 |
| Monthly service charge | $ 7.50 |
| Per-item transaction fee: | |
| Deposited items (not deposits) | $ .10 each |
| Checks and other debits | $ .15 each |
| Average balance earns credit toward transaction fees. Credit towards transaction fees (calculated on average balance less FDIC reserve requirement) is based on bankšs current money market rates. Credit cannot exceed the total calculated. | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Small Business Checking Account A non-interest-bearing checking account designed to simplify banking charges for small businesses. A minimum amount is required to open the account, and when maintained at another minimum amount, there are no account fees for up to 150 transactions per cycle. There is a per-item fee for each item over 150 per cycle. |
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| Minimum opening balance | $ 100.00 |
| Minimum cycle balance to qualify for no Monthly Service Charge | $ 100.00 |
| If minimum balance is not met, there is Monthly Service Charge of | $ 15.00 |
| Up to 150 items per cycle without transaction fees when minimum cycle balance maintained; $ .50/item thereafter. | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Non-Profit Organization Checking Account A non-interest-bearing checking account that requires a minimum amount to open and a minimum cycle balance to qualify for no account fee. If less than minimum cycle balance occurs, there is a small fee to cover account statement postage and handling. |
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| Minimum opening balance | $ 200.00 |
| Minimum account cycle balance to avoid service charge | $ 500.00 |
| Monthly service charge if minimum balance not maintained | $ 2.00 |
| Unlimited check writing | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Business Passbook Savings Account A Passbook Savings Account for businesses, non-profit, and other organizations. It has the same attributes as Personal Passbook Savings. |
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| Minimum opening balance | $ 200.00 |
| Minimum quarterly cycle balance to qualify for no quarterly account fee | $ 300.00 |
| Quarterly fee if minimum quarterly balance is below minimum | $ 7.50 |
| Three free withdrawals per month, each additional withdrawal | $ 5.00 |
| Minimum daily balance to earn interest | $ 1.00 |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
Business Money Market Checking Account Requires a minimum opening deposit and balance in order to be credited with the interest earnings. The interest rate varies, is compounded monthly and is credited to the account monthly. Interest on the account is calculated based on the daily balance which must be a minimum amount to qualify. Six transfers of certain types are allowed during each monthly statement cyle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. There are no account fees when the minimum balance is maintained. |
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| Minimum opening balance | $ 2500.00 |
| Monthly Service Fee when minimum cycle balance is at least $2500. | None |
| Monthly Service Fee when minimum cycle balance is below $2500. | $ 10.00 |
| Minimum daily balance to earn interest | $ 2500.00 |
| No transaction fee for up to six checks written or other type debits per account cycle. | |
| $10.00 per item for items beyond six per account cycle. | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
IOLTA Super NOW An interest-bearing account for attorneys. The interest is sent to Texas Equal Access to Justice Foundation in Austin, Texas. The interest rate varies, is compounded monthly and is credited to the account monthly. |
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| Minimum opening balance | $ 2500.00 |
| Minimum cycle balance to qualify for no monthly account fee | None |
| Minimum daily balance to earn interest | $ 2500.00 |
| Unlimited check writing | |
| Information is subject to change and additional details. Member FDIC | |
| APPLY ONLINE | |
MAXIMIZER A package containing an interest bearing checking account and a money market account that combines the balances for an Annual Percentage Yield (APY). The higher the combined balance, the higher the APY.Maximizer Checking Plus Maximizer Money Market Premium |
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| Minimum combined balance on Maximizer | $4,000.00 |
| Other restrictions apply | |