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Checking Accounts

Our Personal checking accounts offer value, convenience, and flexibility.

CashBack Checking

 

Description:

An Account where you can earn rewards

Minimum balance to open account $100.00
Features/Benefits
  • Earns money on every qualifying debit card purchase of $10.00 or more.
  • Free Debit Card
  • Free Online Banking and Bill Pay
  • No minimum monthly balance required
Qualifications
  • 1 debit card item per statement (excluding ATM) $10.00 or greater
  • 1 ACH credit or debit per statement cycle
Rewards
  • .10 cents on every debit card purchase of $10.00 or greater
  • Deposited into the checking account monthly
Service Charge
  • $4.95 if qualifications are NOT met
  • Additional $3.00 fee for paper statement

 

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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
  • $500 Bounce Protection*
  • 50% off any size safe deposit box
  • Unlimited transactions
Service Charges No monthly service charge

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Regular Checking

 

Description:

Regular non interest bearing checking account

Minimum balance to open account $100
Features/Benefits

$800 Bounce Protection*

Free online banking

Free online bill pay

Free Visa Check card

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

 

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 Bill Pay
  • $800 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 travelerís 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

 

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 Bill Pay
  • $1000 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 speciality 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 plan
  • 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

 

 

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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 Bill Pay
  • $1,000 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
  • Cashierís 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
  • 25% off safe deposit box

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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 Visa Check Card
  • Free Online Bill Pay
  • $800 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

 

Description:

An investment checking account that offers high interest and easy access to funds. Rates are tiered based on balance. Must maintain a minimum balance to earn interest.

Minimum balance to open account $100
Features/Benefits
  • Free Online Banking
  • Free VISA Check Card
  • Free Online Bill Pay
  • 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.
  • $1,000 Bounce Protection *
Service Charges $15.00 Monthly Service charge if the daily balance drops below $1,000.00

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Community Tiered Money Market

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 covered withdrawals per cycle (please refer to the Regulations D disclosure page)
  • 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.
 
Service Charges

$15.00 Monthly Service charge if the daily balance drops below $2,500.00

 

Penalty Violations of Regulation D limitations may result in penalties of $20.00 per excess transaction. Continued violations may result in the account being converted to a non-interest bearing account in accordance with Regulations D.

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U Start Fresh

 

Description

Customers who have experienced previous banking challenges

Minimum balance to open account $25.00
Features/Benefits
  • No minimum daily balance
  • Unlimited check writing/debit card
  • Free online banking
  • Free online bill pay
  • Free U-phone banking
  • Free E-statements
  • Free Notary Service
Service Charges

$7.95 per month with Direct Deposit

$9.95 per month without Direct Deposit

*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 Overdraft Privilege limit. ATM and other one-time electronic items will be paid using Bounce Protection only if you have authorized us to do so.  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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