Young couple looking at ipad on couch.

Personal Checking Accounts

Whether you are looking to earn rewards for your banking habits or need a completely digital account to keep up with your on-the- go lifestyle, Texas Bank and Trust has an account that  meets your needs.

The Preferred and Preferred Plus checking accounts offer rewards for activating a direct deposit, using your VISA® checkcard, and enrolling in eSTATEMENTS.

If freedom from monthly fees is your preference, then our TBTmyWay checking account offers you the ability to bank on  your terms.

No matter which account you choose, you still have unlimited access to our online banking site and mobile banking app.

Our TBTmyWay Service Center and T3 Tech Support Team are also available to assist you with any banking or online support  needs that may arise.

With Texas Bank and Trust , the power to bank the way you want is now in your hands.

Please scroll left to view the rest of the table.

Preferred
Preferred Plus
TBTmyWay
Account Description Offers the choice to earn cash back rewards


REWARDS OFFERED 2

  • eSTATEMENTS = $1 cash
  • Direct Deposit = $2 cash
  • 15 or more posted transactions using check card monthly = $3 cash
  • Service fee waived with minimum daily balance of $1,500 or more
Offers the choice to earn cash back rewards while earning interest


REWARDS OFFERED2

  • eSTATEMENTS = $1 cash
  • Direct Deposit = $2 cash
  • 15 or more posted transactions using check card monthly = $3 cash
  • Service fee waived with minimum daily balance of $1,500 or more
Personal Account designed for the digital world
Service Charge and Other Fees 3
$8.00 service fee every statement cycle, if the account minimum balance falls below $1,500 any day during the statement cycle $15.00 service fee every statement cycle, if the account minimum balance falls below $5,000 on any day during the statement cycle N/A
Minimum to Open $50 $100 $50
TBT VISA® checkcard X X X
Checks Available X X
Earns Interest*

View Rates



Unlimited Withdrawals Per Month X X X
Online Banking X X X
TBT Mobile App X X X
myPay
(Online Bill Pay and Person to Person Payment
X X X
SMARTDeposit X X X
Statements
(No fee eSTATEMENTS or Paper Statements)
X X eSTATEMENTS Only
Additional Benefits 1
  • No fee 24-hour ExpressPhone Banking
  • After-hours night depository available
  • Eligible for OMNIClub 3

X

X

X
Other Possible Fees View Fees
FDIC Insured
Yes
Apply Open Your Account Today

 *Variable interest rates subject to change at bank's discretion.

1 TBTmyWay,Preferred, and Preferred Plus 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.

2 PreferredRewards Checking is a non-interest bearing account. Monthly $8 service fee very 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 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.

OMNIClub membership is available with any personal checking, savings, CD, or IRA account, and requires a minimum daily balance of $5,000.