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
- FREE Voice Response
| N/A | $3.00 Monthly Maintenance Fee | N/A | | Personal Checking | $100.00 | - FREE Check Card
- FREE Internet Banking
- FREE Voice Response
- 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
- FREE Voice Response
- 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 Voice Response
- 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
- FREE Voice Response
- 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
- FREE Voice Response
- 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 | - One free Lifelock membership
- $20,000 AD&D insurance
- Free Standard Checks
- Free Check Card
- Free Internet Banking
- Free Voice Response
- Shopping Discounts
| N/A | $6.00 Monthly Maintenance Fee | N/A | Advantage Plus | $25,000 | - One free Lifelock membership
- Free ATM transactions anywhere
- $20,000 AD&D insurance
- Free Check Card
- Free Internet Banking
- Free Voice Response
- Shopping Discounts
- 25% off Safe Deposit Rental
- Earns Interest
| $25,000 minimum daily balance | $10.00 Monthly Maintenance Fee | - 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 | Sizes | N/A | | N/A |
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| Equal Housing Lender 
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PERSONAL BANKING 
