All of TrustTexas Bank’s Personal Checking Accounts include these benefits:
- Free Debit Card
- Free Online Banking
- Free e-Statements
- Free Bill Pay
- Free Mobile Banking with Mobile Deposit
- Free images with monthly statements
Product | Smart Interest Checking Account | Performance Interest Checking Account | |||
---|---|---|---|---|---|
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 |
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 | |
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 | No Minimum Daily | No Minimum Daily | No Minimum Daily |
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 | 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.
*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.
Earn interest with the convenience of direct deposit or any automatic payment!
*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.
An account for those interested in higher interest!
*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.
A perfect account for customers 50 and better!
*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.
Earn more interest and get more features!
*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.
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.