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Deposit Products

Deposit Products

We have a variety of deposit accounts designed to meet all your personal banking needs.  We’ve arranged our product options below to make it easy for you to evaluate the account that is right for you.  We also invite you to come by our Weatherford, Fort Worth, or Dallas branches and visit with one of our friendly customer service representatives.  We will be glad to explain all of our products and services to you.  Compare our deposit rates today, to find the one that allows you to manage your money, your way.

Please click here for more information about conducting your transactions online.

Texas Free Checking

Get checking that’s as free as the open Texas sky. With this personal account, you can write as many checks as you like and never pay any monthly service charge. We’ll even get you started with a free order of checks!

  • No monthly service charge
  • No minimum balance
  • Free first order of standard checks
  • Free debit card
  • Unlimited check writing privileges
  • Unlimited ATM transactions at
  • Texas Bank Financial locations*
  • Free Online Banking
  • Free Bill Pay
  • Free eStatements
  • Direct deposit assistance available
  • $800.00 overdraft privilege**

$25.00 minimum deposit to open
*$1.00 fee per transaction at non Texas Bank Financial ATM’s
**$30.00 fee per check paid in overdraft

Texas Premier Checking

This traditional checking account comes with all the basics you need… and then some!

  • Check Imaging Service
  • Free Debit Card
  • Free first order of standard checks
  • Unlimited ATM transactions at
  • Texas Bank Financial locations*
  • Free Online Banking
  • Free Bill Pay
  • Free eStatements
  • Direct Deposit assistance available
  • $800.00 overdraft privilege**

$100.00 minimum deposit to open
*$1.00 fee per transaction at non Texas Bank Financial ATMs
**$30.00 fee per check paid in overdraft
***$0.15 per item for each check after 30 per statement cycle
****$7.00 fee every statement cycle if the balance of the account falls below $500.00 any day of the cycle.

Texas Now Checking

A Negotiable Order of Withdrawal (NOW)
This account combines a checking account with the interest
rate of a savings account. It’s the best of both worlds!

  • Interest bearing .15%, .15% APR*
  • Free Debit Card
  • Unlimited ATM transactions at Texas Bank
  • Financial locations**
  • Check imaging service
  • Free Online banking
  • Free Bill Pay
  • Free eStatements
  • Direct Deposit assistance available
  • $800.00 overdraft privilege***

$10.00 monthly fee on balances that fall below $1,500.00 (ask for details)
$1,500.00 minimum deposit to open
Activity fee of $0.15 on each check over 30 per statement cycle.
*Please ask about current rates.
**$1.00 fee per transaction at non Texas Bank Financial ATMs
***$30.00 fee per check paid in overdraft
****Fees could reduce earnings.

Texas Silver Checking

Customers 55 or better are eligible for this free checking account.

  • No monthly service charge
  • No minimum balance
  • Unlimited check writing privileges
  • Free Checks for Life
  • Free Debit Card
  • Unlimited ATM transactions at Texas Bank
  • Financial locations*
  • Free automatic transfers from savings to checking
  • Free cashier’s checks and money orders
  • 25% discount on safe deposit boxes
  • Free Notary service
  • Free Online banking
  • Free Bill Pay
  • Free eStatements
  • Direct deposit assistance available
  • $800.00 overdraft privilege**

$100.00 minimum deposit to open
*$1.00 fee per transaction at non Texas Bank Financial ATMs
**$30.00 fee per check paid in overdraft

Texas Money Market Account

Your Money Market account will allow you to have quick and easy access to your funds while earning a competitive interest rate. As you can see, the more you invest, the greater the return.

BalanceInterest RateAPY

Balance


$2,500 to $49,999.99

Interest Rate


1.25%

APY


1.26%

Balance


$50,000 to $249,999.99

Interest Rate


1.75%

APY


1.76%

Balance


$250,000 to $999,999.99

Interest Rate


2.00%

APY


2.02%

Balance


$1,000,000 to $4,999,999.99

Interest Rate


2.25%

APY


2.27%

Balance


$5,000,000.00 and over

Interest Rate


2.50%

APY


2.53%

Interest rate and APY (annual percentage yield) subject to change without notice.

You may make six transfers from your account each statement cycle, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.

Minimum balance to open the account is $2,500.00. $15.00 fee each statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. $1.00 fee per item for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a monthly statement cycle. These fees will be waived for persons 55 years of age or older upon notification to us. Fees could reduce earnings. Come by Texas Bank Financial at 901 Santa Fe Drive for a complete disclosure on all accounts.

Texas Business Account

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account at any time.  Interest begins to accrue on the business day you deposit an amount that exceeds $50,000.00.    Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive accrued interest.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.  You must maintain a minimum balance that exceeds $50,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:  You must deposit $50,000.00 to open this account.

Accounts Fees:  The following fees apply to this account:  Maintenance fee – Interest Bearing Commercial Account:  $7.00 every statement cycle if the balance in the account falls below $50,000.00 any day of the cycle.

Certificates of Deposit (CDs)

Please call for rates on CD’s below $10,000. Visit us at 901 Santa Fe Drive for a complete disclosure on each of these accounts.
The rates listed below are as of June 14, 2018. A penalty may be imposed for early withdrawal.

TermMinimum BalanceInterest Rate

Term


90 Days

Minimum Balance


< $10,000

Interest Rate


.30%

Term


180 Days

Minimum Balance


< $10,000

Interest Rate


.40%

Term


7 Months

Minimum Balance


< $10,000

Interest Rate


.50%

Term


9 Months

Minimum Balance


< $10,000

Interest Rate


.60%

Term


12 Months

Minimum Balance


< $10,000

Interest Rate


.70%

Term


18 Months

Minimum Balance


< $10,000

Interest Rate


.80%

Term


24 Months

Minimum Balance


< $10,000

Interest Rate


.90%

Term


36 Months

Minimum Balance


< $10,000

Interest Rate


1.00%

Term


 

Minimum Balance


 

Interest Rate


 

Term


90 Days

Minimum Balance


$10,000 to < $100,000

Interest Rate


.60%

Term


180 Days

Minimum Balance


$10,000 to < $100,000

Interest Rate


.70%

Term


7 Months

Minimum Balance


$10,000 to < $100,000

Interest Rate


.80%

Term


9 Months

Minimum Balance


$10,000 to < $100,000

Interest Rate


.90%

Term


12 Months

Minimum Balance


$10,000 to < $100,000

Interest Rate


1.00%

Term


18 Months

Minimum Balance


$10,000 to < $100,000

Interest Rate


1.20%

Term


24 Months

Minimum Balance


$10,000 to < $100,000

Interest Rate


1.40%

Term


36 Months

Minimum Balance


$10,000 to < $100,000

Interest Rate


1.50%

Term


 

Minimum Balance


 

Interest Rate


 

Term


90 Days

Minimum Balance


$100,000 or more

Interest Rate


1.00%

Term


180 Days

Minimum Balance


$100,000 or more

Interest Rate


1.20%

Term


7 Months

Minimum Balance


$100,000 or more

Interest Rate


1.25%

Term


9 Months

Minimum Balance


$100,000 or more

Interest Rate


1.30%

Term


12 Months

Minimum Balance


$100,000 or more

Interest Rate


1.75%

Term


18 Months

Minimum Balance


$100,000 or more

Interest Rate


2.00%

Term


24 Months

Minimum Balance


$100,000 or more

Interest Rate


2.10%

Term


36 Months

Minimum Balance


$100,000 or more

Interest Rate


2.25%

CD Rate Incentives
With an existing checking account balance of $1,000.00+: Current rate + .10%
With an existing checking account balance of $10,000.00+: Current rate + .20%
With an existing loan balance of $10,000.00+: Current rate + .10%
With an existing loan balance of $50,000.00+: Current rate + .20%
With an existing IRA of any size: Current rate + .20%
Any other product: Current rate + .10%

Maximum rate including incentives is 2.50%.

Overdraft Privilege Policy (A Discretionary Overdraft Service)

It is the Policy of our bank to comply with applicable laws and regulation, and to conduct business in accordance with applicable safety and soundness standards.

A non-sufficient funds (overdraft/negative balance) may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of bank service charges; or E) The deposit of items which according to the bank’s Fund Availability Policy, are treated as not yet “available” or finally paid.
We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account has been open at least thirty (30) days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and deposits of at least $400 or more in your account within each thirty (30) day period, (B) You are not in default on any loan obligation to Texas Bank Financial, and (C) You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days, and (D) Your account is not the subject of any legal or administrative order or levy, we will consider, as a discretionary* courtesy or service and not a right or obligation on our part, approving your inadvertent overdrafts. This discretionary* service will generally be limited to a $800 overdraft (negative) balance for all eligible personal checking account types; or a $1,500 overdraft (negative) balance for eligible business checking account types. Of course, any and all bank fees and charges, including without limitation our non-sufficient funds/overdraft fees (Currently $30.00, as set forth in our fee schedules) will be included in this limit. ACH, ATM, POS, and all other electronic funds transactions process before checks or other withdrawal requests.

We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or, if based upon our review of your account management, we determine that you are using the Overdraft Privilege excessively or seem to be using the Overdraft Privilege as a regular line of credit. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).

LIMITATIONS: Available only to eligible accounts. We may limit the number of accounts eligible for the Overdraft Privilege *service to one account per household. If you wish to decline the Overdraft Privilege *service, simply call the bank at 817-596-9998, and visit the bank’s lobby at 901 Santa Fe Drive, Weatherford, TX 76086 and speak with a Customer Service Representative to request that the overdraft limit be removed from your account.

* The Overdraft Privilege service does not constitute an actual or implied agreement between you and the bank. Nor does it constitute an actual or implied obligation of or by the bank. This service represents a purely discretionary courtesy or privilege that the bank may provide to you from time to time and which may be withdrawn or withheld by the bank at any time without prior notice, reason, or cause.

*Please note that the bank requires your affirmative consent in order to pay overdrafts for the following types of transactions: ATM transactions and everyday debit card transactions. If we do not authorize and pay an overdraft, your transaction will be declined. To opt-in to this service, please contact the bank at 817-596-9998 or visit the bank’s lobby at 901 Santa Fe Drive, Weatherford, TX 76086 and speak with a Customer Service Representative.

*It is the bank’s policy to clear items in the following order: (1) any wire transfers from lowest to highest dollar amount; (2) items we have already committed to pay from lowest to highest dollar amount such as ATM withdrawals, teller cash withdrawals, transfers, and debit card or point of sale withdrawals; (3) checks and ACH withdrawals from lowest to highest dollar amount. Transactions may not be processed in the order in which they occur. The order in which transactions are processed can affect the total amount of overdraft/non-sufficient funds fees incurred.

Overdraft (OD) Charges will be limited to six (6) per day.

No OD charge will be imposed if your balance does not fall below a $10.00 overdraft (negative balance).
Come by Texas Bank Financial at 901 Santa Fe Drive for a complete disclosure on each of these accounts.

 

Notice Of Expiration of the Temporary Full FDIC Insurance Coverage for Non-Interest Bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a non interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured institution, including non interest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000.00), for each deposit ownership category.

For more information about FDIC insurance coverage of non interest-bearing transaction accounts, visit: https://www.fdic.gov/deposit/