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Our personal checking accounts offer value, convenience and flexibility. |
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Free Checking
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| Description: |
A basic, no service charge checking account. Free Checking Accounts do not receive images of checks written in the monthly statement. |
| Minimum balance to open account |
$25 |
| Features/Benefits |
| • Free Online Banking | • First 50 checks free | | • Free VISA® Check card | (must order duplicate checks) | | • Free Online Bill Pay | • $400 Bounce Protection* | | • Unlimited check writing | • No monthly service charge | | • Unlimited ATM withdrawals | |
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| Service Charges |
No monthly service charge |
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Community Fifty Free Checking
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| Description: |
A free checking account for Seniors 50 years old or better |
| Minimum balance to open account |
$100 |
| Features/Benefits |
Free ATM card or Debit card
First box of CommunityBank of Texas custom checks free
$400 Bounce Protection*
50% off any size safe deposit box
Unlimited transactions |
| Service Charges |
No monthly service charge |
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Regular Checking
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| Description: |
Regular non interest bearing checking account |
| Minimum balance to open account |
$100 |
| Features/Benefits |
$700.00 Bounce Protection* |
| Service Charges |
No service charge if balance stays at $700 or more every day of the statement cycle
$6.00 per statement cycle if balance drops below $700.00 any day of the statement cycle |
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First Club Checking
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| Description: |
Non interest bearing checking account with club member benefits |
| Minimum balance to open account |
$100 |
| Features/Benefits |
Free Online Banking
Free VISA Check Card
Free Online BillPay
$700 Bounce Protection*Free Online Banking |
| Service Charges |
Individual Plan: $7.00 per statement cycle
Family Plan: $8.00 per statement cycle |
| Club benefits: |
First order of Blue safety wallet checks free (Any other check orders will be charged to customer at regular price)
Free traveler’s checks
Accidental death and dismemberment insurance (see brochure for details)
25% discount on safe deposit boxes
Postage guaranteed key ring service
Free photocopies
Great Texas Getaways (see brochure for details)
Automatic savings plan
Credit card protection
Bank by mail
Discount coupons |
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First Club 55
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| Description: |
Checking account with club member benefits. This account will earn interest when the balance is $1,000.00 or above. At least one account holder must be 55 years of age. |
| Minimum balance to open account |
$100 |
| Features/Benefits |
Free Online Banking
Free VISA Check Card
Free Online BillPay
$700 Bounce Protection* |
| Service Charges |
$7.00 per statement cycle if balance drops below $500.00 during the cycle period. |
| Club benefits: |
First order of personalized checks (Yellow wallet)
Interest on account when balance is $1,000.00 or above at the NOW rate
Single party travelers checks
Common carrier accidental death insurance
Hot line credit card bureau of America, payment card protection
Notary service
Automatic savings
Key ring protection
Discount on safe deposit box rental
Medical emergency data card
Medical date source
Bank by mail
Savers club discount book
Theme park discounts and other attractions
Travelers Advantage
Sojourns Magazine Subscription
Direct deposit of social security and payroll checks
Personal ID card
Funds Availability (Reg CC) |
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First Club 55 Plus
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| Description: |
Checking account with club member benefits. This account will earn interest when the balance is $1,000.00 or above. At least one account holder must be 55 years of age. |
| Minimum balance to open account |
$100 |
| Features/Benefits |
Free Online Banking
Free VISA Check Card
Free Online BillPay
$700 Bounce Protection* |
| Service Charges |
$5.00 monthly membership fee
$7.00 monthly service charge if balance falls below $500
Interest of balance of $1,000 = during entire statement cycle |
| Club benefits: |
All the benefits of the First Club 55 plus the following benefits $10,000 24 hour accidental death and dismemberment insurance and increased common carrier coverage
Eye care plan of America
Cashier’s checks at no issue fee
Photocopy service (limited to 10 copies per cycle)
Safe deposit box log
Home inventory log
Auto trip routing
Personal ID card |
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Thrifty Account
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| Description: |
Non interest bearing checking account designed for customers who write few checks |
| Minimum balance to open account |
$100 |
| Features/Benefits |
Free Online Banking
Free Business Check Card
Free Online BillPay
$700 Bounce Protection* |
| Service Charges |
$2.50 per statement cycle
A per item fee of $.75 will be charged for each debit transaction in excess of ten (10) per statement cycle |
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Community Investment Now
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| Description: |
An investment checking account that offers high interest and easy access to funds. Rates are tiered based on balance. |
| Minimum balance to open account |
$100 |
| Features/Benefits |
Free Online Banking
Free VISA Check Card
Free Online BillPay
Competitive Interest Rates
No Penalty for Withdrawals
Ability to write checks
Unlimited Teller Withdrawals
Unlimited ATM Withdrawals
Interest paid monthly on the daily collected balance.
Rates are variable and subject to change
Fees could reduce the earnings on the Account. |
| Service Charges |
$15.00 Monthly Service charge if the balance drops below $1,000.00 |
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Community Tiered Money Market
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| Description: |
Tiered interest rate account that earns high interest on high balances |
| Minimum balance to open account |
$100 |
| Features/Benefits |
$15.00 Monthly Service charge if the balance drops below $2,500.00
Free Checks
A maximum of six debits allowed per month, of which no more than three may be checks
Interest paid monthly on the accrued daily collected balance.
If balance drops below the minimum opening balance interest will be forfeited.
Rates are variable and subject to change. |
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*You will be charged our $30 paid item fee for each item created by check, an in person withdrawal, ATM or other electronic means paid using your Bounce Protectionlimit. All negative balances must be brought positive within 30 days. Bank reserves the right not to pay if account is not kept in good standing. Please contact a customer service representative for more details.
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