Texas Advantage Community Bank

Accounts and Services

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
$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

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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)

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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

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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

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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

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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
$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
$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

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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

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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

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Account Types

Rising Star Savings
Regular Savings
Money Market

Lone Star Checking
Regular Checking
Shooting Star Checking
NOW Account
Texas Advantage

Small Business Checking
Commercial Checking

Fee Schedule

TEXAS ADVANTAGE ALSO OFFERS CERTIFICATES OF DEPOSIT AND IRAs  PLEASE CALL FOR CURRENT TERMS AND RATES

  
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