Deposit Products

Account
Type

Minimum
Opening
Deposit

Account Features

To Avoid
Service Charge

Service Charge/ Other Account Charges

Interest

Basic
Checking
$50.00
  • FREE Check Card
  • FREE Internet Banking
N/A
$3.00 Monthly
Maintenance Fee
N/A
Personal
Checking
$100.00
  • FREE Check Card
  • FREE Internet Banking
  • Unlimited Check Writing
  • Check Images Provided with Statement
$500.00
Average Daily
Balance
$5.00 Monthly
Maintenance Fee
N/A
Personal
Interest
Checking
$1,000.00
  • FREE Check Card
  • FREE Internet Banking
  • Unlimited Check Writing
  • Check Images Provided with Statement
$1,000.00
Average Daily
Balance
$10.00 Monthly Maintenance Fee
Interest Rate May Vary – Available on Request
Bandera
First
50 Plus
Checking
$200.00
  • FREE Check Card
  • FREE Internet Banking
  • FREE First Order of Checks with Subsequent Orders at a Reduced Rate
  • Discounted First Year Rent on Safe Deposit Box
  • Unlimited Check Writing
  • Check Images Provided with Statement
N/A N/A Interest Rate May Vary – Available on Request
Personal
Saving
$200.00
  • FREE Internet Banking
  • 6 Free Withdrawals Per Quarter ($2.00 Withdrawal Fee in Excess of 6 Per Quarter)
$200.00 Average Daily Balance
$4.00 Quarterly Maintenance Fee
Interest Rate May Vary – Available on Request
Personal
Money Market
$1,000.00
  • FREE Internet Banking
  • 4 Interest Rate Tiers
  • 6 Free Withdrawals Per Month ($10.00 Withdrawal Fee in Excess of 6 per statement cycle)
Maintain a $2,500.00 Average Daily Balance
$15.00 Monthly Maintenance Fee
Interest Rate May Vary – Available on Request
Certificate
of Deposits
$1,000.00
($100,000
minimum
deposit
required for
Jumbo CDs)
  • 3 Month to 60 Month Maturities Available
  • Automatic Renewal option available
  • Interest Payment Options (check, checking, savings or added back to the certificate)
N/A
N/A
Interest Rate May Vary – Available on Request
Individual
Retirement
Account
$1,000.00
($100,000
minimum
deposit
required for
Jumbo CDs)
  • 6 Month to 60 Month Maturities Available
  • Fixed Rate
  • Automatically Renewable
  • Interest Compounded Quarterly
N/A
N/A
Interest Rate May Vary – Available on Request
Advantage
Club Account
   N/A
  • Identity Theft Protection
  • $20,000 AD&D insurance
  • Free Standard Checks
  • Free Check Card
  • Free Internet Banking
  • Shopping Discounts
N/A $6.00 Monthly
Maintenance Fee
N/A
Advantage
Plus
 $25,000
  • Identity Theft Protection
  • Free ATM transactions ANYWHERE
  • $20,000 AD&D insurance
  • Free Check Card
  • Free Internet Banking
  • Shopping Discounts
  • 25% off Safe Deposit Rental
  • Earns Interest
$25,000 minimum daily balance $10.00 Monthly
Maintenance Fee
Interest Rate May Vary – Available on Request

We reserve the right to change your account type to Advantage Club if the balance in the account falls below $25,000 for two or more months.

Safe
Deposit
Boxes
N/A
  • 3”x10”
  • 5”x10”
  • 10”x10”
 N/A
  • $30
  • $50
  • $100

 

N/A