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:


Product



Always Free Checking Account



Smart Interest Checking Account



Performance Interest Checking Account



50+ Interest Checking Account



Money Market Account (MMA)



Minimum Deposit to Open



$50.00



$50.00



$50.00



$50.00



$50.00



Minimum Balance (to avoid a service charge)



N/A



N/A



$1,500.00 Minimum Balance



N/A



$1,500.00 Minimum
Daily Balance



Monthly Service Charge



$0.00



$0.00



$10.00 if Daily Balance falls below $1,500



$0.00



$10.00 if Daily Balance falls below $1,500.00



Eligibility



All consumers are eligible for this account



All consumers are eligible for this account



All consumers are eligible for this account



Owner of account must be 50 years of age or older



All consumers 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



No Minimum Daily
Balance to Earn Interest



No Minimum Daily
Balance to Earn Interest



No Minimum Daily
Balance to Earn Interest



No 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*



New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing*



New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing* 



New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing* 



New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing* 



Not available



Open Account Online



Open Account



Not available



Not available



Not available



Not available


The daily balance applies a daily periodic rate to the principal in the account each day.

*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.

Always Free Checking Account

 

Account Features

  • Minimum deposit to open: $50.00
  • No minimum balance
  • No monthly service charge
  • Monthly statement cycle
  • Overdraft protection from another account available
  • New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing*
  • First box of standard checks free
  • Receive a welcome gift!*

Open Account

*Gift may be reported on a 1099-INT or 1099-MISC. Gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

Smart Interest Checking Account

Earn interest with the convenience of direct deposit or any automatic payment!

Account Features

  • Any ACH, incoming or outgoing (i.e., direct deposit or automatic payment)
  • Minimum deposit to open: $50.00
  • No minimum balance
  • No monthly service charge
  • No minimum daily balance required to earn interest
  • Monthly statement cycle
  • Overdraft protection from another account available
  • New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing*
  • First box of standard checks free
  • Receive a welcome gift!*

*Gift may be reported on a 1099-INT or 1099-MISC. Gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

Performance Interest Checking Account

An account for those interested in higher interest!

Account Features

  • Minimum deposit to open: $50.00
  • Minimum daily balance to avoid a service charge: $1,500.00
  • Service charge per month on daily balances below $1,500.00: $10.00
  • No minimum daily balance required to earn interest
  • Monthly statement cycle
  • Overdraft protection from another account available
  • New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing*
  • One box of standard checks free annually
  • Receive a welcome gift!*

*Gift may be reported on a 1099-INT or 1099-MISC. Gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

50+ Interest Checking Account

A perfect account for customers 50 and better!

Account Features

  • Minimum deposit to open: $50.00
  • No minimum balance
  • No monthly service charge
  • No minimum daily balance required to earn interest
  • Monthly statement cycle
  • Overdraft protection from another account available
  • New consumer checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after thirty (30) days in good standing*
  • First box of standard checks free
  • Receive a welcome gift!*

*Gift may be reported on a 1099-INT or 1099-MISC. Gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

Money Market Account (MMA)

Earn more interest and get more features!

Account Features

  • Minimum deposit to open: $50.00
  • Minimum daily balance to avoid a service charge: $1,500.00
  • Service charge per month on daily balances below $1,500.00: $10.00
  • No minimum daily balance required to earn interest
  • 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
  • Overdraft protection from another account available
  • Receive a welcome gift!*

*Gift may be reported on a 1099-INT or 1099-MISC. Gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Visit us in-branch to learn more.

Other Information

Other Account Fees:

Chargeback Fee $10.00
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.