Personal Checking
| Item | CashRewards Checking¹ | Community Fifty Free Checking¹ | Regular Checking¹ | Start Fresh Checking¹ | Thrifty Account¹ | Community Investment NOW¹ ³ | Community Tiered Money Market |
|---|---|---|---|---|---|---|---|
| Minimum Balance to Open. | $100 | $100 | $100 | $25 | $25 | $100 | $100 |
| Minimum Balance to Avoid Fees | N/A | N/A | $700 | N/A | N/A | $1,000 | $2,500 |
| Monthly Service Fee/Charge | $4.95 if qualifications are not met. | N/A | $6 | $7.95 with Direct Deposit. $9.95 without Direct Deposit. | N/A | $15 | $15 |
| Fee Per Item | N/A | N/A | N/A | N/A | $0.50 per item over 25. | N/A | Max 6 not-in-person payments/withdrawals. $20 per transaction fee in excess of 6 during a statement cycle. |
| Overdraft Privilege Limit² | $500 | $500 | $800 | N/A | N/A | $1,000 | N/A |
| Miscellaneous |
Earn .10 on $10 or more debit card purchase. Requires 1 debit card transaction,4 ACH debit or credit and eStatements. Paper Statements available for $3 a month. |
At least one signer must be at least 50 years of age. 50% off any size safe deposit box - Discount limited to one box per customer 50 years of age or older. First box of bank stock checks are free. | N/A | ATM or debit card eligible after 90 days of acceptable account management. | N/A | Unlimited check writing. | Unlimited free bank stock checks. |
Virtually everyone has a personal checking account, but at CommunityBank of Texas, we want you to have the right account for your needs. With our personal checking accounts, you can find a tailored account option that offers all the benefits you want. If you want an experienced financial institution in Texas, call us today.
Our Account Options
We have an account option for everyone, from a rewards option to a thrifty account. We make sure to accommodate your needs. Whichever option you choose, our checking accounts offer valuable features, such as:
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A debit card: Each account offers a personalized debit card for purchases as well as ATM withdrawals. This means you have access to your money no matter where you are or what the time of day.
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Checks: When you open your account, you'll receive a free checkbook and checks.
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Direct deposit: All of our accounts offer you the option for direct deposit, whether from an employer or a benefit plan.
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Direct payment: With a personal checking account, you can often avoid credit card fees with ACH transfers for bills or rent. Plus, you can more easily keep track of your money when it is taken directly from your checking account.
All our accounts offer excellent benefits for different people. If you aren't sure which account is the best choice for your needs, we are happy to help you review your options. We have worked with hundreds of satisfied customers, so we can help you make the best account decision.
Our Company Promise
When you open a personal account with us, you'll receive high-quality financial services as well as friendly personalized interactions. We are here to help you with your banking needs and any account questions you have. For a banking institution you can trust, choose CommunityBank of Texas.
Call us today at 866.427.9306 to learn more.
1 Subaccount Organization. We have organized your account in a nontraditional way. Your account consists of two subaccounts. One of these accounts is a transaction subaccount (e.g., a checking subaccount). You will transact business on this subaccount. The other is a nontransaction subaccount (e.g., a savings account). You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient and helps to keep costs down. 2 You will be charged our OD Paid Item Fee of $35 for each overdrawn item created by check, a teller withdrawal, an automatic payment (ACH) transaction or recurring VISA® check card payment. All negative balances must be brought positive within 30 days. Bank reserves the right not to pay item(s) if an account is not kept in good standing. Alternatives to cover overdrafts include a link to your savings account or a line of credit. If you have any questions, please call the bank at 1-866-552-6668 for details. Also, if you request us to do so, we may authorize and cover ATM transfers or withdrawals and everyday VISA® check card purchases. See Bounce Protection Overdraft Policy for complete details. 3 We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account, other than a time deposit or from any other savings account defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal. 4 Excludes ATM transactions.