Online Banking

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Personal

Free Checking

Our Free Checking account eliminates the worry of monthly service charges.  This account is available for individuals and small businesses operating as sole proprietors.

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
  • Electronic Bill Pay available
requirements
  • Minimum deposit to open account is waived with direct deposit enrollment, otherwise it is $50
  • Enrollment in Internet Banking and E-Statements is required
applications
discretionary overdraft privilege

Overdraft Privilege is discretionary.  We will charge your account $25 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.

There may be less expensive alternative products that may be better suited for your needs.

Classic Checking

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 is waived with direct deposit enrollment, otherwise it is $100
applications
discretionary overdraft privilege

Overdraft Privilege is discretionary.  We will charge your account $25 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.

There may be less expensive alternative products that may be better suited for your needs.

Select Checking

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
  • E-Statements and Electronic Bill Pay available
requirements
  • Minimum deposit to open account is waived with direct deposit enrollment, otherwise it is $100
  • A minimum daily balance of $1,200 must be maintained in order to obtain the disclosed annual percentage yield
applications
discretionary overdraft privilege

Overdraft Privilege is discretionary.  We will charge your account $25 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.

There may be less expensive alternative products that may be better suited for your needs.

Savings

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)
applications

Fees may reduce earnings.

Money Market

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
  • 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
  • A minimum daily balance of $2,500 must be maintained in order to obtain the disclosed annual percentage yield
applications

Fees may reduce earnings.

Certificates of Deposit (CDs)

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.

benefits
  • Automatically renewable
  • Interest compounded monthly
  • Interest credited monthly in your choice of:
    • Credited to CD balance
    • Credited to a selected account
requirements
  • Minimum deposit to open account – $1,000
withdrawal limitations

Penalties may be assessed for early withdrawals.

Individual Retirement Accounts (IRAs)

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
  • Must have earned income and be under 70 ½ years of age
withdrawal limitations

Penalties may be assessed for early withdrawals.

Personal Credit Card

We make it easy to choose the credit card that is right for you, with two brands and three different programs to choose from:  World Card, Preferred Points Card or Low Rate Card.

Low Interest Rate Card

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 interest rate for cash advances.
features
  • No annual fee
  • Low introductory interest rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases.  No grace period on cash advances.
fees

World and Preferred Points Cards

BENEFITS

  • 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.
  • 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 interest rate for cash advances.
FEATURES
  • No annual fee.
  • Low introductory interest rate for first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases.  No grace period on cash advances.
  • To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.

To Apply Now

  • Download the PDF application.
  • Type the information and then print the application, or print it and then complete it using a blue or black pen.  Paper applications are also available at our local banking center office.
  • Fax your completed application to the Card Service Center at 877-809-9162

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs, introductory interest rate and fees.