RISING STAR SAVINGS ACCOUNT
Minor Savings Account (18 and under)
Minimum to Open $25
Limit of 3 withdrawals per month
No minimum daily balance requirement
$3 per withdrawal in excess of 3 per month
Interest paid quarterly based on daily ledger balance
REGULAR SAVINGS ACCOUNT
Available to Individuals
Minimum to Open $100
Limit 3 withdrawals per month
$3 per withdrawal in excess of 3 per month
Maintenance fee of $6 per quarter if minimum daily
balance falls below $300 any day in the statement cycle
Interest paid quarterly based on daily ledger balance
MONEY MARKET ACCOUNT
Interest Bearing Account with Limited Transactions
Available to all Depositors
Minimum to Open $2,500
Limit of 6 withdrawals per statement cycle, of which no more than 3 may
be by third party check or preauthorized withdrawal
$12 per withdrawal in excess of these limits
Maintenance fee of $15 per statement cycle if minimum daily
balance falls below $2,500 any day in the statement cycle
Free Online Banking
Interest paid monthly based on daily ledger balance
LONE STAR CHECKING ACCOUNT
Free checking account
Available to Individuals
Minimum to Open $100
No monthly maintenance fee
Truncated Account (No checks or images returned in monthly statement)
REGULAR CHECKING ACCOUNT
Available to Individuals
Minimum to Open $100
Maintenance fee of $6 per statement cycle if minimum daily
balance falls below $600 any day in the statement cycle
Free Online Banking
SHOOTING STAR CHECKING ACCOUNT
Available to Individuals 55 Years and Older
Minimum to Open $100
Maintenance fee of $3 per statement cycle if there is no direct deposit to the account
Free basic checks (design specified by Bank) for the life of the account
Free Online Banking
NOW ACCOUNT
Interest Bearing Checking Account for
Individuals and Sole Proprietors Only
Minimum to Open $1,500
Maintenance fee of $12.50 per month if minimum daily
balance falls below $1,500 any day of the statement cycle
Free Online Banking
Interest paid monthly based on daily ledger balance
TEXAS ADVANTAGE ACCOUNT
Combined Balance Account
Available to All Depositors
First Account (Individual)
Checking Account – Minimum to Open $2,500
Unlimited Check Writing
Maintenance fee of $25 per month if minimum daily
balance falls below $2,500 any day of the statement cycle
Free Online Banking
Second Account (Individual)
Money Market Account – Minimum to Open $100
Limit of 6 withdrawals per statement cycle, of which no more than 3 may
be by third party check or preauthorized withdrawal
$12 per withdrawal in excess of these limits
Tiered interest rate paid monthly based on daily ledger balance
$0 - $10,000
$10,000.01 - $50,000
$50,000.01 - $100,000
$100,000.01 - $150,000
$150,000.01 - $250,000
$250,000.01 and over
First Account (Business or Commercial)
Checking Account – Minimum to Open $5,000
Unlimited Check Writing
Maintenance fee of $50 per month if minimum daily
balance falls below $5,000 any day of the statement cycle
Free Online Banking
Second Account (Business or Commercial)
Money Market Account – Minimum to Open $100
Limit of 6 withdrawals per statement cycle, of which no more than 3 may
be by third party check or preauthorized withdrawal
$12 per withdrawal in excess of these limits
Tiered interest rate paid monthly based on daily ledger balance
$0 - $10,000
$10,000.01 - $50,000
$50,000.01 - $100,000
$100,000.01 - $150,000
$150,000.01 - $250,000
$250,000.01 and over
TEXAS STAR CLUB (add on features only; not a separate account)
Available to Individuals
* Online Banking
* Online Bill Pay
* Club Checks (design designated by Bank)
* Official Checks
*$1 Rebate on Foreign ATM Transactions
*#Identity Theft Insurance
*#Savers Club Book
*#Auto Trip Routing
*#Accidental Death Insurance
Insurance offered is NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK
#Provided by third party provider
*These services may be added to Lone Star Checking Account, Regular Checking Account, Individual Texas Advantage Account or NOW Account for additional $12.50 Maintenance Fee per
statement cycle.
*These services may be added to the Shooting Star Checking Account for an additional $10.00 Maintenance Fee per statement cycle.
SMALL BUSINESS CHECKING ACCOUNT
Designed for Businesses with Limited Transactions
Minimum to Open $100
Maintenance fee of $10 per month
150 transactions per monthly statement cycle at no charge
(includes debits and items deposited)
Transaction fees in excess of 150 per statement cycle:
$0.25 per debit
$0.25 per item deposited
Free Online Banking
Monthly maintenance fee of $10 waived for non profit organizations
COMMERCIAL CHECKING
Designed for Business with a High Volume of Transactions
Minimum to Open $100
Maintenance fee of $10 per month
Transaction Fees:
$0.10 per debit
$0.10 per item deposited
Earnings credit will be applied to offset fees
Free Online Banking
Accounts may be subject to account analysis charges
