Personal Deposit Accounts

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Effective 7/1/2020, we are increasing the amount we make available for withdrawal by checks not subject to next day availability to $225.  In addition, the amount available for withdrawal on exception holds for large deposits, new accounts, and the amount for determining a repeat overdraft is increasing to $5,525.

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Regular Checking Account

  • Minimum deposit to open account $100.00
  • Minimum balance required to avoid maintenance fee $500.00
    Fee charged for account balances:
    $300.00—$499.99   $5.00
    Below $300.00        $7.00
  • An account activity fee of $.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 30 during a statement cycle.

Student Checking Account

  • Available to Students up to age 19. After age 19, you must provide proof of enrollment in an institute of higher education every year.
  • Minimum deposit to open account $100.00
  • No service charges or transaction limitations apply to this account.

Senior Checking Account

  • You must be at least 62 years old.
  • Minimum deposit to open account $100.00
  • No service charges or transaction limitations apply to this account.

Now Account

  • Minimum deposit to open account $ 100.00
  • Minimum daily balance to avoid maintenance charge $1,500.00
    • A minimum balance fee of $6.00 will be imposed every statement cycle if the daily balance in the account falls below $1,500.00 any day of the statement cycle.
  • An account activity fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 30 during a statement cycle.
  • Rate Information—Your interest rate and annual percentage yield may change weekly.
    Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded monthly and will be credited to your account monthly.

Money Market Account

  • Minimum deposit to open account $ 100.00
  • Minimum daily balance to avoid maintenance charge $1,500.00
    • A minimum balance fee of $7.00 will be imposed every statement cycle if the daily balance in the account falls below $1,500.00 any day of the statement cycle.
    • You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. If your balance falls below $1,500.00 on any day during the period, the interest rate will be reduced to the Savings account rate.
  • Federal Regulations limits the number of telephone transfers, and preauthorized electronic transfers to third parties (including Point of Sale Transactions) from money market accounts. You are limited to six such transfers from each money market account that you have each month for purposes of making a payment to a third party or by use of a telephone or computer.
  • An activity fee of $2.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.
  • Rate Information—Your interest rate and annual percentage yield may change weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded monthly and will be credited to your account monthly.

Regular Savings Account

  • Minimum deposit to open account $100.00
  • Minimum daily balance to avoid maintenance charge $300.00
    • A minimum balance fee of $3.00 will be imposed every month if the daily balance in the account falls below $300.00 any day of the month.
    • You must maintain a minimum balance of $300.00 in the account each day to obtain the disclosed annual percentage yield. 
  • You may make 2 withdrawals from your account each month. An Activity Charge of $2.00 will be assessed for each debit in excess of two during a calendar month.
  • Federal Regulations limits the number of telephone transfers, and preauthorized electronic transfers to third parties from savings accounts. You are limited to six such transfers from each savings account that you have each month for purposes of making a payment to a third party or by use of a telephone or computer.
  • Rate Information — Your interest rate and annual percentage yield may change weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded quarterly and will be credited to your account quarterly.

TUTMA (Texas Uniform Transfer To Minors Account)

  • Minimum deposit to open account $100.00
  • Minimum daily balance to avoid maintenance charge $100.00
    • A minimum balance fee of $3.00 will be imposed every month if the daily balance in the account falls below $100.00 any day of the month.
    • You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. 
  • You may make 2 withdrawals from your account each month. An Activity Charge of $2.00 will be assessed for each debit in excess of two during a calendar month.
  • Federal Regulations limits the number of telephone transfers, and preauthorized electronic transfers to third parties from savings accounts. You are limited to six such transfers from each savings account that you have each month for purposes of making a payment to a third party or by use of a telephone or computer.
  • Rate Information — Your interest rate and annual percentage yield may change weekly.
    Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded quarterly and will be credited to your account quarterly.
  • A schedule of fees and charges will be furnished to you upon account opening. This schedule is also available at any of our locations upon request.

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.