Personal Checking Accounts

Texas Bank and Trust offers a complete line of personal checking accounts to meet your financial needs.


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Preferred
Rewards
Preferred Plus
Rewards
TBTmyWay
Non-Rewards
Advantage
Non-Rewards
Money Market
Non-Rewards
Account Description Offers customers the choice to earn cash back rewards Offers customers the choice to earn cash back rewards while earning interest Personal account designed for the digital world A no-hassle checking account for customers 55 and over with unlimited check writing and other benefits Offers customers higher variable rates of interest based on higher balances
Monthly Service Charge $8.00
service fee every statement cycle, if the account falls below minimum any day during statement cycle
$15.00
service fee every statement cycle, if the account falls below minimum any day during statement cycle
N/A No
$20.00 
service fee every statement cycle, if the account falls below minimum any day during statement cycle
Minimum To Open $50 $100 $50 $50 $100
Minimum Balance $1,500 $5,000 N/A N/A $5,000
TBT VISA® checkcard No fee No fee No fee $1.50/statement cycle (monthly) Plus $1.00 for each additional card Not available for this account
Checks Variety of check styles and prices Variety of check styles and prices Not available Variety of check styles and prices Variety of check styles and prices
Earns Interest No

Yes - View Rates

Variable rate* with five tiered interest levels

No No

Yes - View Rates

Variable rate* with five tiered interest levels

TBTmyWay
(online banking)
No fee No fee No fee No fee No fee
myPay
(online bill payment)
No fee No fee No fee Optional – No fee for first 90 days. $1 per month for up to 3 payments; $0.35 per item after. Fees are charged on the last day of the month. Optional – No fee for first 90 days. $1 per month for up to 3 payments; $0.35 per item after. Fees are charged on the last day of the month.
Statements No fee eSTATEMENTS or paper statements without images. Copies of images $2.00 per monthly statement cycle. No fee eSTATEMENTS or paper statements without images. Copies of images $2.00 per monthly statement cycle. eSTATEMENTS only - No fee 1 Option of no fee monthly eSTATEMENTS or paper statements with images. Option of no fee monthly eSTATEMENTS or paper statements with images
Additional Benefits 2
No fee 24-hour ExpressPhone Banking

After-hours night depository available

Allows for direct deposit
No fee 24-hour ExpressPhone Banking

After-hours depository available

Allows for direct deposit

Eligible for OMNIClub
No fee 24-hour ExpressPhone Banking

Allows for direct deposit
No fee 24-hour ExpressPhone Banking

Allows for direct deposit
No fee 24-hour ExpressPhone Banking

Allows for direct deposit

Eligible for OMNIClub
Rewards Offered 3
eSTATEMENTS = $1 cash

Direct deposit = $2 cash

15 or more monthly checkcard transactions posted to your account= $3 cash

Service fee waived with minimum daily balance of $1,500 or more
eSTATEMENTS = $1 cash

Direct deposit = $2 cash

15 or more monthly checkcard transactions posted to your account = $3 cash

Service fee waived with a minimum daily balance of $5,000 or more
N/A N/A N/A
Check-Writing or Withdrawals Per Month Unlimited Unlimited N/A Unlimited Up to 6 withdrawals or transfers per monthly statement cycle
SMARTDeposit No fee No fee No fee No fee No fee
Other Possible Fees View Fees View Fees  View Fees View Fees View Fees
FDIC Insured
Yes
Yes
Yes
Yes
Yes
Apply Open Your Account Today

*Variable Rates. May change after account opening, and subject to change without notice.

1 Paper statements are not available on this account

2 TBTmyWay, Advantage, and Money Market checking accounts offer an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee. FDIC

3 Preferred Rewards Checking is a non-interest bearing account. Monthly $8 service fee every statement cycle if the account minimum balance falls below $1,500 on any day during the statement cycle. Rewards paid on monthly statement cycle with $1 paid for eSTATEMENTS, $2 paid for accumulated direct deposit amount of $500 or greater, and $3 paid for 15 or more Visa® checkcard (debit) transactions posted to your account each statement cycle. Preferred Rewards Checking offers an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee. FDIC

Preferred Plus Rewards Checking is a five-tiered, variable rate of interest account. Interest rate, established by bank management, is subject to change at any time. Monthly $15 service fee every statement cycle if the account minimum balance falls below $5,000 on any day during the statement cycle. Rewards are paid on a monthly statement cycle, with $1 paid for eSTATEMENTS, $2 paid for accumulated direct deposit amount of $500 or greater, and $3 paid for 15 or more Visa® checkcard (debit) transactions posted to your account each statement cycle. Preferred Plus Rewards Checking offers an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee. FDIC