| Free
Checking
- Truncated |
|
|
| Requirements: |
|
| Balance
to open: |
$100.00 |
| Minimum
balance requirement: |
None |
| Monthly
service charge: |
No
charge |
| Transaction
limitations: |
None |
| Account
eligibility: |
Individual |
|
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|
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|
View
Fees that apply to this account.
Overdraft
privileges may be available (some restrictions apply)
Note:
With free checking, you will not get images of your checks with your
monthly statement.
|
|
|
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|
|
| Regular
Checking |
|
|
| Balance
to open: |
$100.00 |
Balance
required to avoid account
maintenance charge:
|
$500.00
minimum daily Or
$1,000.00
average daily*
|
| Monthly
service charge: |
|
|
$0-$499.99: |
$5.00 |
|
$500.00 and above: |
No
charge |
| Transaction
limitations: |
None |
Account
eligibility:
|
Individuals
and non-businesses |
|
View
Fees that apply to this account.
Overdraft privileges may be available (some restrictions apply)
*The
average daily balance is calculated by adding the principal in the
account for each
day of the period and dividing that figure by the number of days in
that period.
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|
| First
Plus Club |
|
|
| Balance
to open: |
$100.00 |
| Minimum
balance requirement: |
N/A |
| Average
balance requirement: |
N/A |
| Monthly
service charge: |
|
|
Seniors age 62+ |
$4.00 |
|
Non-seniors |
$6.00 |
| Account
eligibility: |
Individuals
only |
Overdraft privileges may be available (some restrictions apply)
Package
Benefits:
-
Unlimited
wallet-style, non-duplicate bank stock checks at no charge
-
$5
off safe deposit box rental
-
Up
to three cashier’s checks per month at no charge
-
Telephone
transfers at no charge
-
Printout
statements at no charge
-
Visa
TravelMoney Card available at bank cost
View
Fees that apply to this account.
Note:
First Plus can be added to any personal checking account. |
|
|
|
|
|
| Business
Checking |
|
|
| Balance
to open: |
$100.00 |
| Minimum
balance requirement: |
$500.00 |
| Monthly
service charge: |
|
|
$0
- $499.99 |
$5.00 |
|
$500.00
and above |
No
charge |
| Transaction
limitations: |
|
|
0 to 75 items per month |
No
item charge |
76
to 200 items per
month |
$10.00** |
| 201
+ items per month |
$20.00** |
|
View
Fees that apply to this account.
Account eligibility: See your banking representative for
qualification criteria
Overdraft
privileges may be available (some restrictions apply)
*Business
checking accounts may be subject to account analysis.
**Monthly
service charge may also apply. |
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| NOW
Account |
|
|
| *View
Rates |
|
|
|
| Balance
to open: |
$100.00 |
|
Balance
required to avoid account
maintenance charge: |
$1,000.00
minimum daily OR $1,500.00 average daily* |
| Monthly
service charge: |
|
| $0
- $999.99 |
$10.00 |
| $1,000.00
and above |
No
charge |
| Transaction
limitations: |
None |
| Interest: |
|
| Balance |
Interest
Tier |
| $0
- $999.99 |
Tier
1 |
| $1,000.00
- $2,499.99 |
Tier
2 |
| $2,500.00
- $9,999.99 |
Tier
3 |
| $10,000.00
and above |
Tier
4 |
|
View
Fees that apply to this account.
Overdraft
privileges may be available (some restrictions apply)
*The
average daily balance is calculated by adding the principal in the
account for each
day of the period and dividing that figure by the number of days in
that period.
*Account
eligibility: Individuals and others authorized by federal regulation
Note:
Interest rates subject to change.
Please see your bank representative or call (361)
293-3572 for current
rate information. |
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| Savings
Account |
|
|
| *View
Rates |
|
|
|
| Balance
to open: |
$100.00 |
| Minimum
balance requirement: |
$100.00
|
| Monthly
service charge: |
|
| $0.
-$99.99 |
$5.00 |
| $100.00
and above |
No
charge |
| Transaction
limitations: |
|
Up
to six withdrawals
per quarter |
No
charge
|
Over
six withdrawals
per quarter
|
$2.00
each
|
Interest:
|
Simple
interest compounded quarterly |
Account
eligibility:
|
Individuals
Businesses |
|
View
Fees that apply to this account.
*Minors under age 18, seniors age 62 + and full/time students are
exempt from minimum balance requirements.
Please see your banking representative if your account
qualifies for an exemption.
Note:
ATM withdrawals are unlimited in number.
Interest rates subject to change.
Please see your bank representative or call (361) 293-3572
for current rate information. |
|
|
|
|
|
| Money
Market Account |
|
|
| *View Rates |
|
|
|
| Balance
to open: |
$100.00 |
|
Balance
required to avoid account maintenance charge: |
$1000.00
minimum daily OR $1,500.00 average daily* |
| Monthly
service charge: |
|
| $0-$999.99 |
$10.00 |
| $1,000.00
and above |
No
charge |
| Transaction
limitations: |
|
6
withdrawals per month,
3 of which may be by
check |
No charge
|
Withdrawals
in excess of
six
per month |
$10.00
each
|
Interest:
|
|
| Balance |
Interest
Tier |
| $1,000.00
- $49,999.99 |
Tier
1 |
| $50,000.00
- $99,999.99 |
Tier
2 |
| $100,000.00
and above |
Tier
3 |
|
|
Account
eligibility:
|
Individuals
Businesses |
|
View
Fees that apply to this account.
Note: ATM or in-person
withdrawals are unlimited in number.
Interest
rates subject to change. Please see your bank representative or call
(361) 293-3572 for current rate information.
*The
average daily balance is calculated by adding the principal in the
account for each day of the period and dividing that figure by the
number of days in that period. |
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| Certificates
of Deposit |
|
|
| *View Rates |
|
|
|
| Terms: |
30
days to five years |
| Minimum
balance: |
$500.00 |
| Fees: |
None |
Restrictions:
|
Subject to substantial early withdrawal penalties
|
|
|
| 36-Month
"Bump-Up"
Certificates
of Deposit |
Don't want
to tie up your bucks? Then bump it up with
our "Bump-Up" Certificate of Deposit. This
certificate allows you the option to increase your rate one-time if
the rates increase during the term of the certificate. *Contact
our new accounts representatives for additional information.
|
|
|
| *View Rates |
|
|
|
| Terms: |
36
Month |
| Minimum
balance: |
$25,000.00 |
| Fees: |
None |
Restrictions:
|
Subject to substantial early withdrawal penalties. CD will not renew automatically
at maturity.
|
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| Individual
Retirement Accounts |
|
|
| *View
Rates |
|
|
|
| Terms: |
Six
months to five years |
Minimum
balance: |
$500.00 |
Restrictions:
|
Subject to substantial early withdrawal penalties |
