Our personal checking accounts offer value, convenience and flexibility.   Free Checking 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   Service Charges No monthly service charge Community Fifty Free Checking 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 back to the top Regular Checking Account 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 back to the top First Club Checking Account 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* 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 back to the top First Club 55 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) back to the top First Club 55 Plus 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 back to the top Thrifty Account 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 back to the top Community Investment Now Account 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 back to the top Community Tiered Money Market Account 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. back to the top

*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.