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Checking

Free Checking

Limitations: You must deposit $100.00 to open this account.

Account Fees: The following fees apply to this account: Other Bank Fee-Analysis Fee: Fee will vary based on monthly account activity; Stop Payment Fee: $20.00; Whit-Co Checks-Check Print: Price may vary depending on style of Check; Telephone Transfer Fee: $2.00; Wire Transfer Fee: $20.00 (in or out); Money Order Fee: $4.00 PER $1,000; Other Bank Fee-Collection Fee: $10.00; Other Bank Fee-Statement Copy Fee: $10.00; Research Fee: $15.00 Minimum 1 Hour; and OD/Paid NSF Item Charge-Return NSF Item Charge: $27.50.

NOW

Negotiable order of withdrawal (NOW) accounts are savings accounts authorized by 12 U.S.C. 1832 on which the bank reserves the right to require at least seven days' notice prior to withdrawal or transfer or any funds in the account.

Limitations: You must deposit $1,000.00 to open this account. The account holder is entitled to 20 free debits. A $.10 charge will be assessed for each debit thereafter.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart at request. If this account is used as an IOLTA Trust Account, the Interest (less applicable fees and service charges) will be sent to the Texas Equal Access to Justice Foundation.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Account Fees: Your account will be assessed a monthly $7.50 minimum balance fee if the daily balance is less than $1,000.00. The following fees apply to this account: Excess Debit Charge: $.10 per item in excess of 20 debits per month.

RESTRICTED SUPER NOW

Negotiable order of withdrawal (NOW) accounts are savings accounts authorized by 12 U.S.C. 1832 on which the bank reserves the right to require at least seven days' notice prior to withdrawal or transfer or any funds in the account.

Limitations: You must deposit $2,500.00 to open this account. The account holder is entitled to 6 free debits. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telelphone (including data transmission) agreement, order or instruction or by check, draft, debit card, or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart at request. If this account is used as an IOLTA Trust Account, the Interest (less applicable fees and service charges) will be sent to the Texas Equal Access to Justice Foundation.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Account Fees: Your account will be assessed a monthly $7.50 minimum balance fee if the daily balance is less than $2,500.00. The following fees apply to this account: Excess Debit Charge: $5.00 per item in excess of 6 debits per month.

 

Important Disclosures

Click here for Important Disclosures regarding Checking Accounts.

Click here for New Account Application.

Click here for Switch Kit.

Click here for Preventing Fraud.

Click here for Privacy Policy.

Click here for Security Information.

 

 

 

 

 

 

 

 

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