Online Banking

Personal Checking

TrustTexas Bank offers several personal checking accounts. Compare the features and choose an account that meets your situation, needs, goals and plans—while maintaining funds in a safe yet accessible place. TrustTexas Bank makes it easy to manage your personal finances. Whatever you need, we’re here to make banking more efficient for you. You will be pleased with our hands-on attention and friendly service.

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All of TrustTexas Bank’s Personal Checking Accounts include these benefits:

Personal Checking Account Comparison

Product

First Generation Checking Account

New Generation Checking Account

New Generation NOW Account

Best Generation NOW Account

New Generation Money Market Account

Minimum Deposit to Open

$50.00

$50.00

$500.00

$50.00

$1,000.00

Minimum Balance (to avoid a minimum balance fee)

N/A

N/A

$500.00 Minimum Average Daily Balance

N/A

$1,000.00 Minimum Average Daily Balance

Monthly Minimum Balance Fee

$0.00

$0.00

$7.50 if Average Daily Balance falls below $500

$0.00

$10.00 if Average Daily Balance falls below $1,000.00

Eligibility

Owner of account must be under the age of 21 to qualify

All consumers are eligible for this account

All consumers are eligible for this account

Owner of account must be 55 years of age or older

All customers are eligible for this account

Transaction Restrictions

 Unlimited Transactions

 Unlimited Transactions

Unlimited Transactions 

Unlimited Transactions 

Click here for restrictions and limit information

Excess Debit Fee

$0.00

$0.00

$0.00

$0.00

$10.00 per item over the limit

Interest Bearing

Non-interest bearing

Non-interest bearing

$500.00 Minimum Daily Balance to Earn Interest

$2,500.00 Minimum Daily Balance to Earn Interest

$1,000.00 Minimum Daily Balance to Earn Interest

Overdraft Protection

Overdraft protection from another account available

Overdraft protection from another account available

Overdraft protection from another account available

Overdraft protection from another account available

Overdraft protection from another account available

Overdraft Privilege*

 Not available

Overdraft Privilege limit of up to $500 available on eligible accounts* 

Overdraft Privilege limit of up to $500 available on eligible accounts* 

Overdraft Privilege limit of up to $500 available on eligible accounts* 

Not available

The average daily balance is determined by adding the full amount of principal in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

*When Overdraft Privilege is used, the Overdraft Fee of $29 will be imposed for each overdraft item created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. The $29 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. An overdrawn balance must be repaid within thirty-two (32) consecutive calendar days. We may not pay items under your Overdraft Privilege if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) consecutive calendar days for a minimum of one business day. For more information, please click here.

First Generation Checking Account

An account specifically designed for children and teens under the age of 21. A non-interest bearing account, offering no frills banking with no monthly cost designed to help young people learn financial independence. 

Account Features

  • Minimum deposit to open: $50.00
  • No minimum balance fee
  • No monthly maintenance fee
  • Unlimited transactions
  • Monthly statement cycle
  • Electronic images free with e-Statements
  • Overdraft protection from another account available

New Generation Checking Account

A non-interest bearing account offering consumers no frills banking with no monthly cost. 

Account Features

  • Minimum deposit to open: $50.00
  • No minimum balance fee
  • No monthly maintenance fee
  • Unlimited transactions
  • Monthly statement cycle
  • Electronic images free with e-Statements
  • Overdraft protection from another account available
  • Overdraft Privilege limit of up to $500 available on eligible accounts*

New Generation NOW Account

This account is designed to reward consumers maintaining higher balances, while providing convenient access to their funds.

Account Features

  • Minimum deposit to open: $500.00
  • Minimum average daily balance to avoid a minimum balance fee: $500.00
  • Minimum balance fee per month on average daily balances below $500.00: $7.50
  • Minimum daily balance to earn interest: $500.00
  • Unlimited transactions
  • Monthly statement cycle
  • Electronic images free with e-Statements
  • Overdraft protection from another account available
  • Overdraft Privilege limit of up to $500 available on eligible accounts*

Best Generation NOW Account

A no cost checking account designed for those consumers 55 years of age or older allowing them to earn interest on balances of $2,500 and over.

Account Features

  • Minimum deposit to open: $50.00
  • No minimum balance fee
  • No monthly maintenance fee
  • Minimum daily balance to earn interest: $2,500.00
  • Unlimited transactions
  • Monthly statement cycle
  • Free personalized checks
  • Electronic images free with e-Statements
  • Overdraft protection from another account available
  • Overdraft Privilege limit of up to $500 available on eligible accounts*

New Generation Money Market Account (MMA)

An alternate type of interest bearing account that offers tiered interest rates along with the convenience of a limited checking account. 

Account Features

  • Minimum deposit to open: $1,000.00
  • Minimum average daily balance to avoid a minimum balance fee: $1,000.00
  • Minimum balance fee per month on average daily balances below $1,000.00: $10.00
  • Minimum daily balance to earn interest: $1,000.00
  • Transfers from a MMA to another account or to third parties by preauthorized, automatic, telephone, Internet, Phone Bank, ACH debit, wire transfers, point of sale (POS), check, draft, or similar order are limited to six per statement cycle.
  • An excess debit fee of $10.00 per item will be charged when these limits are exceeded.
  • Monthly statement cycle
  • Electronic images free with e-Statements
  • Overdraft protection from another account available

Other Information

Imaged Item Fee:

You will be charged a $3.00 imaged item fee each month if you choose to receive the images of checks and deposit slips (imaged items) with your mailed monthly statement.

Other Account Fees:

Chargeback Fee $3.00
Stop Payment Fee $29.00
Overdraft Fee $29.00
Returned Item Fee $29.00

For Current Rates, Fee Schedules, and more information, please call TrustTexas Bank at 1-800-342-0679.

Your interest rate and annual percentage yield ("A.P.Y.") may change in accordance with the terms of the particular type of account. At our discretion, we may change the rate of interest on your account at any time without prior notification.

*When Overdraft Privilege is used, the Overdraft Fee of $29 will be imposed for each overdraft item created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. The $29 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. An overdrawn balance must be repaid within thirty-two (32) consecutive calendar days. We may not pay items under your Overdraft Privilege if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) consecutive calendar days for a minimum of one business day. For more information, please click here.

 

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