Savings

Why is a TCB savings account a good option for most people?

Saving for retirement or rainy days has never been easier with unique plans designed for everyone in the family. Texas Citizens Bank has something for everyone with IRA, Money Market, and traditional savings.

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Savings Accounts


  • MONEY MARKET

    This account is a great option for anyone looking to build savings while retaining spending flexibility.

    Maintain a $2,500 balance to waive maintenance fees, access six complimentary check withdrawals per calendar statement cycle, and make unlimited ATM and in-person transfers.* Tier-based interest is calculated on a daily collected balance, paid monthly, and requires users to maintain a minimum account balance. View rates.

    If the balance in the account falls below $2,500 any day of the month, a maintenance fee of $25 will be imposed every month. Each transaction exceeding six per statement cycle will be charged an excess debit fee of $25.

    Minimum Opening Deposit: $100
    Minimum Balance: $2,500

    Benefits

    • Online Banking
    • Fee refunds for any ATM withdrawal in the United States
    • 6 withdrawals per statement cycle*
    • Check Imaging with e-Statement
    • Opportunity to waive maintenance fee**
    • Tier-based interest if minimum balance is maintained

    * Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Each transaction exceeding the six per statement cycle will be charged an excess debit fee of $25. Transfers made in person or at an ATM are unlimited.

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  • PREMIER MONEY MARKET

    The perfect account for those planning to link a direct deposit and maintain a high balance.

    Our Premier Money Market account is reserved for new money and requires a direct deposit relationship.* Maintain a $25,000 balance to waive maintenance fees, access six complimentary check withdrawals per statement cycle, and make unlimited ATM and in-person transfers.** Tier-based interest is calculated on a daily collected balance, paid monthly, and requires users to maintain a minimum account balance. View rates.

    If the balance in the account falls below $25,000 any day of the month, a maintenance fee of $25 will be imposed every month. Each transaction exceeding six will be charged an excess debit fee of $25.

    Minimum Opening Deposit: $25,000
    Minimum Balance: $25,000

    Benefits

    • Online Banking
    • Fee refunds for any ATM withdrawal in the United States
    • 6 withdrawals per monthly statement cycle**
    • Check Imaging with e-Statement
    • Opportunity to waive maintenance fee
    • Tier-based interest if minimum balance is maintained

    * A direct deposit relationship must be maintained at all times to qualify for the Premium Money Market account. Failure to comply will result in a reclassification to the Texas Citizens Bank Money Market account at the applicable rate at the time of reclassification.
    ** Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Each transaction exceeding the six per statement cycle will be charged an excess debit fee of $25. Transfers made in person or at an ATM are unlimited.

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  • IRA SAVINGS

    Put aside more for retirement by earning interest on any balance.

    Withdrawal funds with no penalty at 70 and set funds to distribute annually at 72. Tier-based interest is calculated on a daily collected balance and paid quarterly. View rates.

    Minimum Opening Deposit: $100
    Minimum Balance: N/A

    Benefits

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  • SAVINGS ACCOUNT

    The preferred option for those with low or fluctuating balances, this low-entry account offers a nice balance of interest and flexibility.

    Enjoy three complimentary withdrawals per calendar statement cycle, waived fees, and unlimited in-person and ATM transfers* by simply keeping $100 in your account. Interest is calculated on a daily collected balance. View rates.

    Each transaction exceeding three per calendar statement cycle will be charged an excessive debit fee of $5. If the balance of the account falls below $100 any day of the quarter, a maintenance fee of $5 will be imposed every quarter.

    Minimum Opening Deposit: $100
    Minimum Balance: $100

    Benefits

    * Federal regulations limit the number of transfers to another one of your accounts at Texas Citizens Bank or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle. This includes overdraft protections transfers and Texas Citizens Bank Online Banking transfers and bill payments. Transfers made in person or at an ATM are unlimited.
    ** Three free withdrawals per calendar statement cycle. Each additional withdrawal will be charged an excessive debit fee of $5.

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Savings Services


SAVINGS ESTIMATOR*

Saving is key to long-term success and a comfortable retirement. Experiment with different monthly savings amounts within your budget to see how far your money can take you.*This calculator tool is for estimating purposes only and may not calculate your exact payments.

Mortgage Payment Calculator*

Balance time, interest, and monthly payments to see what financing works best for your goals. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Years:
Interest:
Loan Amount:
Monthly Principal Interest

Loan Payment Calculator*

Break down your loan to determine which payment options best fit your needs. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Principal:
Number of Payments:
Interest Rate:
Your Montly Payment:

Savings Estimator*

Enter how much you can afford to save monthly to see how much that investment could benefit you later. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Total invested each month: (Ignore comma)
Number of months/years to acquire sum:
Interest rate on savings (%):
 
 

Debt Payoff Calculator*

Make goals to pay your debt off by a specific date. Use the calculator to plan out payments and set a timeline to become debt free. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Enter your credit card balance:
Enter the credit card's interest rate:
Enter payment amount per month:
or
Enter desired months until debt free: