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Personal Savings

Put yourself in prime position to take on tomorrow.

The future can bring almost anything.  A strategic savings plan can help you take on challenges, enjoy life's finer moments, and provide long-term financial security.

Money Market Advantage

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Every dollar makes a difference.  This account's higher returns can accelerate your savings efforts and provide added momentum as you race toward your financial goals.
  • $20.00 service fee every statement cycle if the account minimum balance falls below $5,000 on any day during statement cycle.
  • $50 minimum deposit to open
  • Checks available
  • Earns interest*
  • Up to 6 withdrawals per monthly statement cycle1
  • Eligible for digital banking
  • SMARTDeposit
  • No fee eStatements or paper statements
  • No fee 24-hour ExpressPhone Banking
  • After-hours night depository
  • Eligible for OMNIClub2

Statement Savings

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This is an ideal starting point for your savings journey.  Regular deposits plus TBT interest payments can propel you toward your savings goals.
  • $5.00 service fee every statement cycle if the account minimum balance falls below $100 on any day during the statement cycle
  • $50 minimum deposit to open
  • Earns interest*
  • Up to 6 withdrawals per monthly statement cycle; additional withdrawals subject to $1.00 fee1
  • Eligible for digital banking
  • SMARTDeposit
  • No fee eStatements or paper statements
  • No fee 24-hour ExpressPhone Banking
  • After-hours night depository available
  • Eligible for OMNIClub2

Cool Kids Savings Club

two kids swinging
Savings account for kids up to the age of 12 with "club" membership features.
  • No minimum deposit to open
  • Earns interest*
  • Up to 6 withdrawals per monthly statement cycle1
  • Eligible for digital banking
  • SMARTDeposit
  • No fee eStatements or paper statements
  • No fee 24-hour ExpressPhone Banking
  • After-hours night depository available







































*Variable interest rates subject to change at the bank's discretion. Interest will compound daily and be credited to your Money Market Advantage account every month; Statement Savings account and/or Cool Kids Savings account every quarter. 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.
1Add or withdraw funds at any time, limited to 6 withdrawals or transfers per month to another account of yours or to a third party by means of pre-authorized or automatic transfer, telephone order, or computer transfer.
2OMNIClub membership is available with any personal checking, savings, CD, or IRA account, and requires a minimum daily balance of $5,000.
Texas Bank and Trust is a fiercely independent, community bank with full service locations throughout east and north Texas.