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Checking Accounts

Personal Checking Accounts

Our personal checking accounts have these benefits:

  • Unlimited check writing with no per check fees.
  • Monthly service charges based on the monthly balance.
  • Imaged deposit and imaged checks returned in your statement.
  • Automatic Funds Transfer

The following is a list of our different types of personal accounts and information and benefits regarding each account.

FIRST CLUB Account - FIRST CLASS CLUB
(FIRST CLASS CLUB members must be 55 yrs. of age or older)

  • Printed checks: (Club wallet checks) are provided free. (Other styles and designs of checks are available at a discounted price.)
  • Earn interest by maintaining a minimum daily balance of $2,500 for FIRST CLUB or $1,000 for FIRST CLASS CLUB member.
  • Accidental Death & Dismemberment Insurance and Common Carrier Insurance is provided.
  • Pay monthly dues of $8.00 for the FIRST CLUB and $4.00 for the FIRST CLASS CLUB.
  • Other benefits include CD Bonus interest rate, prescription drug discount card, hotel/motel discounts, free lost key protection, and many, many More.

NOW Account

  • Interest is earned at the current stated rate, and NOW interest rates are subject to change. Federal statutes regulate these accounts. A minimum of $1,000.00 is required to open the account and must be maintained during the monthly statement cycle in order to avoid the service charge of $10.00 per statement cycle.

Basic Checking Account

  • A minimum of $100.00 is required to open this account.
  • A minimum balance of $1000.00 must be maintained during the monthly statement cycle in order to avoid the service charge of $8.00 per statement cycle.
  • Images of checks and deposit tickets are returned in monthly statement.

Concho Club Account
(Concho Club members must be 55 yrs. of age or older)

  • No monthly fees.
  • First check order is free.
  • A minimum of $100.00 is required to open this accout.
  • Additional discounted services apply.

Free Checking Account

  • This is a "truncated-check" account; your canceled checks will not be returned, but you will receive a monthly bank statement.
  • Duplicate checks are required for this account.
  • A minimum of $100.00 is required to open this account.
  • There are no monthly service charges, no minimum balance and unlimited check writing.
  • First fifty (50) checks are free.

Money Market Account

  • Interest is earned at the current stated rate and money market interest rates are subject to change. Federal statutes closely regulate these accounts.
  • A minimum of $1,000.00 is required to open the account and must be maintained in the account during the monthly statement cycle in order to avoid the service charge of $10.00 per statement cycle.
  • No limit on deposits or withdrawals made in person.
  • No more than six pre-authorized or automatic transfers or withdrawals per statement cycle. A $5.00 charge for each excessive item after six.

Commercial Checking Accounts

Commercial Checking Account

  • Monthly service charge is $6.00 plus $.15 per check/debit paid. A monthly earnings credit will be applied to offset the monthly service charge. The earnings credit will be the Super NOW interest rate times the minimum balance for that statement cycle (The earnings credit will in no case exceed the service charge). Super NOW interest rates are subject to change-
  • You will receive an image of your canceled checks and deposit tickets in the monthly statement.
  • Cost of checks will vary depending upon style and quantity.

Commercial NOW Account
Federal regulations prohibit NOW accounts for corporations, partnerships and business accounts other than sole proprietorships.

  • Monthly service charge is $6.00 plus $.15 per check/debit paid.
  • Interest is earned at the current stated Super NOW interest rate on the minimum daily balance in the account of $1,000.00 or more. If the daily ending balance drops below $1000.00 on any day during the statement cycle, the account will have no interest credited for that statement cycle. Super NOW interest rates are subject to change.
  • Images of checks and deposit tickets are returned in monthly statement.
  • Cost of checks will vary depending upon style and quantity.



FDIC INSURANCE INCREASE NOTICE

Each depositor insured to at least $250,000.00 by the Federal Deposit Insurance Corporation.

 
BALLINGER HOURS
LOBBY: Monday - Friday

8:30AM - 4PM
DRIVE-THRU: Monday - Thursday
8AM - 5PM
Friday
7:30AM - 6PM

ATMs
Ballinger
911 Hutchings

San Angelo
2635 Valleyview

SAN ANGELO HOURS
LOBBY: Monday - Friday
8:30AM - 5:00PM

DRIVE-THRU: Monday - Friday
8AM - 5:30PM
Saturday
9AM - 12NOON


   

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