Our Free Checking account is an account that eliminates the worry of monthly service charges. This account is available for individuals and small businesses.
benefits
No monthly service charge or minimum balance requirements
Unlimited check writing and other debit transactions
$250 Discretionary Overdraft Privilege available for qualified accounts
Free Debit cards available
Free telephone and internet banking
Free check images online
Enrollment in Internet Banking and E-Statements is required
Electronic Bill Pay Available
requirements
Minimum deposit to open account - $50 or waived with direct deposit enrollment
discretionary overdraft privilege
We will charge your account $18 for each item paid or returned. Your account may become overdrawn by writing checks, debit card or ATM transactions, or other electronic means. Your account must be brought to a positive balance at least every 30 days or less. We reserve the right not to pay any overdraft.
Our most popular account! It's an account for individuals who maintain a minimum balance, want to receive check images in their statements, and prefer a higher overdraft privilege limit.
benefits
No monthly service charge if daily balance is kept at $500 or higher, otherwise a $5 service charge will be assessed
Unlimited check writing and other debit transactions
Check images returned with monthly statement
$500 Discretionary Overdraft Privilege available for qualified accounts
Monthly service charge may be waived for Senior citizens 62 and over
Free Debit Cards available
Free telephone and internet banking
E-Statements and Electronic Bill Pay Available
requirements
Minimum deposit to open account - $100 or waived with direct deposit enrollment
discretionary overdraft privilege
We will charge your account $18 for each item paid or returned. Your account may become overdrawn by writing checks, debit card or ATM transactions, or other electronic means. Your account must be brought to a positive balance at least every 30 days or less. We reserve the right not to pay any overdraft.
This account is ideal for those who maintain a higher balance in their checking account, and also want the ability to earn interest and write an unlimited number of checks per statement cycle.
benefits
No monthly service charge if daily balance is kept at $1,200 or higher, otherwise a $10 service charge will be assessed
Unlimited check writing and other debit transactions
$500 Discretionary Overdraft Privilege available for qualified accounts
Free Debit Cards available
Free telephone and internet banking
Interest is compounded daily and credited to your account every statement cycle
A minimum daily balance of $1,200 must be maintained in order to obtain the disclosed annual percentage yield.
E-Statements and Electronic Bill Pay available
requirements
Minimum deposit to open account - $100 or waived with direct deposit enrollment
discretionary overdraft privilege
We will charge your account $18 for each item paid or returned. Your account may become overdrawn by writing checks, debit card or ATM transactions, or other electronic means. Your account must be brought to a positive balance at least every 30 days or less. We reserve the right not to pay any overdraft.
This savings account is for the customer who wants to earn interest on their personal savings. Many customers set up a savings account for their children and/or grandchildren. They are also often used to save money for unexpected events, taxes, vacations, and other expenses.
benefits
No quarterly service charge if daily balance is kept at $300 or higher, otherwise a $5 service charge will be assessed
Service charge is waived for minors under the age of 18
Interest is compounded daily and credited to your account every quarter
Automatic transfers can be set up between savings and checking accounts
requirements
Minimum deposit to open account - $100 ($50 for minors)
withdrawal limitations
Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, electronic, internet, telephone transfer or in-person withdrawal are limited to six (6) per month.
An excessive item charge of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a quarter.
This account is good for individuals who want to earn interest on funds, but also need the ability to write a check every once in a while. This account generally pays our highest interest rate compared to other interest-bearing checking accounts offered by the bank.
benefits
Interest is compounded daily and credited to your account every statement cycle
No monthly service charge if daily balance is kept at $2,500 or higher, otherwise a $10 service charge will be assessed
A minimum daily balance of $2,500 must be maintained in order to obtain the disclosed annual percentage yield.
Tiers for interest earnings:
$2,500 - $9,999
$10,000 - $24,999
$25,000 and above
E-Statements and Electronic Bill Pay available
requirements
Minimum deposit to open account - $2,500
withdrawal limitations
Transfers from a Money Market account to another account or to third parties by means of a preauthorized, automatic, electronic, or telephone transfer, check, draft, debit card, or similar order made payable to third parties are limited to six per statement cycle.
An excessive item charge of $10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.
Certificates of Deposit are used by consumers and businesses alike to maximize their earnings on funds. CD's offer higher interest rates than interest bearing checking accounts because the customer agrees to keep the money in the bank for a specified period.
We offer traditional IRAs, Roth IRAs, and SEPs. IRAs are an excellent savings tool for anyone planning to retire someday. Unlike risky investments, they provide a reliable return and are FDIC insured up to $250,000. It is a safe, secure way to save for the future and defer income taxes.
benefits
Reliable, safe return
Interest compounded daily
Interest credited to the account every quarter
Automatically renewable time account
FDIC Insured up to $250,000
requirements
Minimum deposit to open account - $100.00
Maximum annual contribution amounts are set by the IRS
Time requirement (rate of return) comparable to eighteen month CD
Must have earned income and be under 70 ½ years of age
We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.
Personal Card – Low Rate
benefits
Competitive annual percentage rate (APR).*
24-hour toll-free live customer assistance available at 800-367-7576.
Online account information available 24/7 at www.cardaccount.net.
Rental car collision damage waiver protection.
Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
features
No annual fee.
Low introductory rate for the first six months.*
Competitive ongoing APR.*
25-day interest-free grace period on all purchases. No grace period on cash advances.
Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
24-hour toll-free live customer assistance available at 800-367-7576.
Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
Fax your completed application to the Card Service Center at 972-650-7054.
Or mail your completed application to: Card Service Center
PO Box 569120
Dallas, TX 75356-9120 *Please see application for information about current APRs and fees.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS: By operation of federal law, beginning January 1, 2013 funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information, visit www.fdic.gov.
