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Personal Checking

You do you! We'll do your banking!

Texas Bank and Trust has an account that meets your needs.

The power to bank the way you want is in your hands!

All personal checking accounts include: FREE Visa® checkcard, FREE online banking, FREE bill pay, FREE mobile banking with mobile deposits, FREE 24-hour ExpressPhone banking, unlimited withdrawals, and FREE eStatements with online check images.

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TBT MyFree Checking1

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A FREE account for everyone!
  • $50 minimum deposit required to open account
  • NO minimum balance
  • NO monthly service charge

TBT Direct Interest Checking1

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Earn interest with the convenience of direct deposits or any automatic payment!
  • $50 minimum deposit required to open account
  • Direct deposit or ACH required2
  • NO minimum balance
  • NO monthly service charge
  • Competitive interest*

TBT 50 Plus Checking1

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A perfect account for customers 50 and over!
  • $50 minimum deposit required to open account
  • NO minimum balance
  • NO monthly service charge
  • FREE personalized checks3
  • Competitive interest*

TBT Preferred Interest Checking1

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An account for those interested in higher interest!
  • $50 minimum deposit required to open account
  • $1,500 minimum balance; monthly $8 service fee every statement cycle if the account minimum balance falls below
  • $1,500 on any day during the statement cycle
  • FREE personalized checks3
  • Higher interest rate with a balance of $1,500 or more*
  • Competitive interest* if balance falls below $1,500

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A savings account is designed for Cool Kids everywhere!

A special savings account specifically for children 12 years or younger.  Cool Kids Savings is here to teach our next generation healthy and responsible money management habits.

FDIC Insured
*Variable interest rates subject to change at bank's discretion. Interest will compound daily and be credited to your TBT Direct Interest, TBT 50 Plus and/or TBT Preferred Interest checking account(s) every month; Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. Contact your TBT branch for rate information.
1Minimum deposit of $50 required to open account. See or speak with a branch service representative for more details. Other fees, such as non-sufficient funds, overdraft, sustained overdraft, etc., may apply. See fee schedule for details.
2A direct deposit or ACH is required no less than quarterly to maintain this account, otherwise the account may be converted to a TBT MyFree checking account.
3Please note, one box of standard Texas Bank and Trust checks are free per order. For orders that contain more than one box of checks, customer will be assessed the cost of the additional boxes.
OMNIClub membership is available with any personal checking, savings, CD, or IRA account, and requires a minimum daily balance of $5,000.