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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.

Kasasa Accounts

HIGH INTEREST
 
open in minutes
CASH BACK
 
open in minutes

Account
HIGH INTEREST
 
open in minutes

FREE KASASA CASH CHECKING
CASH BACK
 
open in minutes

FREE KASASA CASH BACK

Fees
HIGH INTEREST
 
open in minutes

FREE
CASH BACK
 
open in minutes

FREE

Best For
HIGH INTEREST
 
open in minutes

High Balances
CASH BACK
 
open in minutes

Debit Card Purchases

Rewards
HIGH INTEREST
 
open in minutes

2.02% APY* up to a balance cap of $50,000**
APY* Range 2.02%-1.13%
CASH BACK
 
open in minutes

2.00% cash back up to a $8.00 reward per Monthly Qualification Cycle****

Qualification Information
HIGH INTEREST
 
open in minutes

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during the Monthly Qualification Cycle***:
· At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
· At least 12 (PIN-based/signature-based) debit card purchases
· Login to online or mobile banking at least once per month
CASH BACK
 
open in minutes

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during the Monthly Qualification Cycle*****:
· At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
· At least 12 (PIN-based/signature-based) debit card purchases
· Login to online or mobile banking at least once per month

ATM Fees?
HIGH INTEREST
 
open in minutes

Refunds on ATM withdrawal fees nationwide (Up to $25 per monthly qualification cycle). You must meet your Kasasa Cash account qualifications to receive your ATM withdrawal fee refunds.
CASH BACK
 
open in minutes

Refunds on ATM withdrawal fees nationwide (Up to $25 per monthly qualification cycle). You must meet your Kasasa Cash Back qualifications to receive your ATM withdrawal fee refunds.

Free Online
Banking & Bill Pay?
HIGH INTEREST
 
open in minutes

Yes
CASH BACK
 
open in minutes

Yes

Free Debit Card?
HIGH INTEREST
 
open in minutes

Yes
CASH BACK
 
open in minutes

Yes

EStatements?
HIGH INTEREST
 
open in minutes

Receiving eStatments is a condition of this account
CASH BACK
 
open in minutes

Receiving eStatments is a condition of this account

Minimum
Opening Deposit
HIGH INTEREST
 
open in minutes

$25.00
CASH BACK
 
open in minutes

$25.00

*Annual Percentage Yield

**When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Cash account earn an interest rate of 2.00% resulting in an APY of 2.02%; and daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $50,000.00, resulting in a range from 2.02% to 1.13% APY depending on the account’s daily balance. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be .05% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

*** To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

· At least 1 direct deposit, ACH credit, or ACH payment transaction(s)

· At least 12 (PIN-based / signature-based) debit card purchases

· Login to online or mobile banking at once per month

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Please contact one of our branch service representatives at 817-596-9998 for specific Monthly Qualification Cycle dates. “Banking Day” means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Please contact one of our branch service representatives 817-596-9998 for specific Statement Cycle dates.

****When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2% cash back on up to a total of $400.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

*****To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

· At least 1 direct deposit, ACH credit, or ACH payment transaction(s)

· At least 12 (PIN-based / signature-based) debit card purchases

· Login to online or mobile banking at once per month

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Please contact one of our branch service representatives at 817-596-9998 for specific Monthly Qualification Cycle dates. “Banking Day” means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Please contact one of our branch service representatives at 817-596-9998 for specific Statement Cycle dates.

Please click here for additional information on dates that apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Savings disclosure for your account’s specific qualification requirements.

Kasasa Saver

Linked with a Kasasa Cash or Kasasa Cash Back, this is a free, variable rate deposit account with no minimum balance that rewards accountholders with interest when they meet the minimum qualifications associated with their linked account during that account’s Monthly Qualification Cycle. In addition, the (a) interest, (b) cash back dollars, and (c) the nationwide ATM withdrawal fee refunds earned through the linked checking account are transferred into the Kasasa Saver account at the end of the cycle period to help the consumer save.

The interest rate and Annual Percentage Yield (APY) associated with your Kasasa Saver account when linked to either a Kasasa Cash or Kasasa Cash Back account is documented below. Please refer to the appropriate Kasasa Cash or Kasasa Cash Back or Truth In Savings Disclosure for specific account qualification information.

Interest Rate & Annual Percentage Yield*:
The interest rate and Annual Percentage Yield (APY*) associated with your Kasasa Saver account when linked to either a Kasasa Cash or Kasasa Cash Back account is documented below. Please refer to the appropriate Kasasa Cash or Kasasa Cash Back or Truth In Savings Disclosure for specific account qualification information.

When your linked Kasasa Cash or Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle: Kasasa Saver: daily balances up to and including $100,000.00 in your Kasasa Saver account earn an interest rate of 1.00% resulting in an APY* of 1.00% and daily balances over $100,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $100,000.00, resulting in a range from 1.00% to 0.63% APY* depending on the Kasasa Saver account’s daily balance. Rates may change after the account is opened. When your linked Kasasa Cash or Kasasa Cash Back qualifications are not met during a Monthly Qualification Cycle: the entire daily balance in the Kasasa Saver account earns .05% APY*. Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Kasasa Cash When Linked To Kasasa Saver: When linked to Kasasa Saver and your Kasasa Cash account’s qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Cash account earn an interest rate of 2.00% resulting in a non-compounding APY* of 2.02%; and daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $50,000.00, resulting in a non-compounding range from 2.02% to 1.13% APY depending on the account’s daily balance. When your linked Kasasa Cash account’s qualifications are not met during a Monthly Qualification Cycle: ATM withdrawal fees are not refunded and the entire daily balance in the account earns an interest rate of .05% resulting in a non-compounding APY of .05%. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Cash account and $50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you, at our discretion. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.
Reward Distribution: Kasasa Cash Back When Linked To Kasasa Saver: The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on last day of the current statement cycle.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. A $25.00 minimum deposit is required to open the account. Receiving monthly eStatements is a condition of Monthly Kasasa Saver’s linked Kasasa Cash or Kasasa Cash Back account(s). See accompanying schedule of fees for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver’s linked Kasasa Cash or Kasasa Cash Back account(s) to earn your rewards. Please see the “Qualification Information” section for your account type. Limit of one (1) account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to the associated standalone Kasasa Cash or Kasasa Cash Back account and that account’s terms and conditions articulated within their specific disclosure will apply. Linked Accounts: You must have a linked Kasasa Cash or a linked Kasasa Cash Back account in order to open a Kasasa Saver account, and the linked Kasasa Cash or Kasasa Cash Back account must remain open throughout the period that you hold the Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Account Limitations: Transfers or withdrawals from a Kasasa Saver account to (a) another account of the same depositor at our institution or to (b) a third party or an account of the same depositor at another bank, if made by pre-authorized transfer, automatic transfer, telephone, fax or internet banking service and (c) transfers or withdrawals to a third party or to an account of the depositor to another account at another bank made by check, draft, debit card are limited to an aggregate total of six (6) per calendar month. There is no limit to the number of transfers or withdrawals from your Kasasa Saver account to repay loans at our institution or are made in person, by mail, by messenger or at an ATM. These transactions are considered made on the date the transaction posts and settles to your account, not the date the withdrawal request was initiated.

Please click here for additional information on dates that apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Savings disclosure for your account’s specific qualification requirements.

 

Texas Free Checking

Click to open a Texas Free Checking Account online now!

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

Click to open a Texas Premier Checking Account online now!

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

Click to open a Texas Now Checking Account online now!

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 0.10%, 0.10% APY*
  • 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.
*Annual Percentage Yield
**$1.00 fee per transaction at non Texas Bank Financial ATMs
***$30.00 fee per check paid in overdraft
****Fees could reduce earnings.
*****You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Texas Silver Checking

Click to open a Texas Silver Checking Account online now!

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

Click to open a Texas Money Market Account online now!

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

0.25%
APY*

0.25%
Balance

$50,000 to $249,999.99
Interest Rate

0.35%
APY*

0.35%
Balance

$250,000 to $999,999.99
Interest Rate

0.50%
APY*

0.50%
Balance

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

0.60%
APY*

0.60%
Balance

$5,000,000.00 and over
Interest Rate

0.85%
APY*

0.85%

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. Visit one of our locations for a complete disclosure on each of these accounts.

*Annual Percentage Yield

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 $25,000.00. 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 $25,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $10,000.00 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 $10,000.00 any day of the cycle.

Certificates of Deposit (CDs)

Please call for rates on CD’s below $10,000. Visit one of our locations for a complete disclosure on each of these accounts.
The rates listed below are as of July 1, 2020. A penalty may be imposed for early withdrawal.

TermMinimum BalanceInterest RateAPY*
Term

90 Days
Minimum Balance

< $10,000
Interest Rate

0.10%
APY*

0.10%
Term

180 Days
Minimum Balance

< $10,000
Interest Rate

0.15%
APY*

0.15%
Term

7 Months
Minimum Balance

< $10,000
Interest Rate

0.25%
APY*

0.25%
Term

9 Months
Minimum Balance

< $10,000
Interest Rate

0.30%
APY*

0.30%
Term

12 Months
Minimum Balance

< $10,000
Interest Rate

0.40%
APY*

0.40%
Term

18 Months
Minimum Balance

< $10,000
Interest Rate

0.50%
APY*

0.50%
Term

24 Months
Minimum Balance

< $10,000
Interest Rate

0.60%
APY*

0.60%
Term

36 Months
Minimum Balance

< $10,000
Interest Rate

0.70%
APY*

0.70%
Term

 
Minimum Balance

 
Interest Rate

 
Term

90 Days
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.15%
APY*

0.15%
Term

180 Days
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.25%
APY*

0.25%
Term

7 Months
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.35%
APY*

0.35%
Term

9 Months
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.40%
APY*

0.40%
Term

12 Months
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.50%
APY*

0.50%
Term

18 Months
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.60%
APY*

0.60%
Term

24 Months
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.70%
APY*

0.70%
Term

36 Months
Minimum Balance

$10,000 to < $100,000
Interest Rate

0.80%
APY*

0.80%
Term

 
Minimum Balance

 
Interest Rate

 
Term

90 Days
Minimum Balance

$100,000 or more
Interest Rate

0.25%
APY*

0.25%
Term

180 Days
Minimum Balance

$100,000 or more
Interest Rate

0.35%
APY*

0.35%
Term

7 Months
Minimum Balance

$100,000 or more
Interest Rate

0.45%
APY*

0.45%
Term

9 Months
Minimum Balance

$100,000 or more
Interest Rate

0.50%
APY*

0.50%
Term

12 Months
Minimum Balance

$100,000 or more
Interest Rate

0.60%
APY*

0.60%
Term

18 Months
Minimum Balance

$100,000 or more
Interest Rate

0.70%
APY*

0.70%
Term

24 Months
Minimum Balance

$100,000 or more
Interest Rate

0.80%
APY*

0.80%
Term

36 Months
Minimum Balance

$100,000 or more
Interest Rate

0.90%
APY*

0.90%

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 1.00% (1.00% APY*)

 

CD SPECIAL – Ends 07/31/2020

19 Month CD
=> $50,000     APY*
     0.80%         0.80%
**** Maximum rate including incentives is 1.00% (1.00% APY*)

 

25 Month CD
=> $50,000     APY*
     0.90%         0.90%
**** Maximum rate including incentives is 1.00% (1.00% APY*)

 

*Annual Percentage Yield

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/