Rates + Fees

What can I expect from a TCB deposit account?

Save more time and money with competitive yields and lots of extras on various deposit accounts—Certificate of Deposit (CD) and Money Market interest rates just increased! Our rates, fees, and terms are simple and straightforward and our customer service is unmatched. Enjoy ATM withdrawal refunds at any ATM in the United States, attractive interest rates with most savings accounts, and easily exchange currency and reorder checks through our secure partner portals.

How Annual Percentage Yield Works

Annual Percentage Yield* (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding during a 365-day period.

Checking

Fees could reduce earnings. Rates may change after opening. Rates current as of June 25, 2018.


Reward Checking

If the requirements for Reward Checking are not met, the annual percentage yield is 0.02%.
Minimum BalanceAPY*
< $25,0000.75%
≥ $25,0000.20%

Reward Checking Plus

Must have or, open and maintain, a Direct Deposit to a Texas Citizens Bank Personal Reward account. If the requirements for Reward Checking Plus are not met, the annual percentage yield is 0.02%.
Minimum BalanceAPY*
< $25,0001.21%
≥ $25,0000.20%

DOWNLOAD REWARD CHECKING/PLUS BENEFITS PDF


Now Checking

Minimum BalanceAPY*
< $1,5000.00%
≥ $1,5000.10%

DOWNLOAD NOW CHECKING BENEFITS PDF


Savings

Fees could reduce earnings. Rates may change after opening. Rates current as of April 18, 2018.


BizReward Money Fund

Minimum BalanceAPY*
< $2,5000.00%
$2,500–$24,999.990.35%
$25,000–$99,999.990.50%
$100,000–$249,999.990.85%
≥250,0001.00%

DOWNLOAD BIZREWARD MONEY FUND BENEFITS PDF


Money Market

Minimum BalanceAPY*
< $2,5000.10%
$2,500–$24,999.990.50%
$25,000–$99,999.990.75%
$100,000–$249,999.991.21%
≥ $250,0001.31%

DOWNLOAD MONEY MARKET BENEFITS PDF


PREMIER MONEY MARKET

For new money only. Must maintain a direct deposit relationship at all times to qualify. Failure to comply will result in a reclassification to the Texas Citizens Bank Money Market account at the applicable rate at the time of the reclassification.
Minimum BalanceAPY*
<$25,0000.25%
$25,000–$74,999.990.75%
$75,000–$249,999.991.51%
$250,000–$749,999.991.92%
≥$750,0002.12%

DOWNLOAD PREMIER MONEY MARKET BENEFITS PDF


IRA Savings

Minimum BalanceAPY*
< $2,5000.10%
$2,500–$24,999.990.40%
$25,000–$99,999.990.55%
$100,000–$249,999.990.75%
≥ $250,0000.85%

DOWNLOAD IRA SAVINGS BENEFITS PDF


Savings Account

Minimum BalanceAPY*
N/A0.10%

DOWNLOAD SAVINGS ACCOUNT BENEFITS PDF


Certificates of Deposit

The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. An early withdrawal penalty will be imposed for withdrawals before maturity. Rates current as of August 3, 2018.


Certificates of Deposit (≥$1,000)

TermAPY*
3 months0.75%
6 months1.15%
9 months1.25%
12 months1.50%
18 months1.75%
24 months2.10%
36 months2.27%

DOWNLOAD CD BENEFITS PDF


Special Variable Certificate of Deposit (≥ $1,000)

This CD adjusts to the effective federal funds rate as published by the Federal Reserve Bank of New York plus 0.15%. The resets are on the first Friday of Feb., May, Aug., and Nov. based on the rate published the previous Monday.
TermAPY*
19 months2.08%**
** Subject to change. See description above for details.

DOWNLOAD CD BENEFITS PDF


"One Bump" Certificates of Deposit (≥ $10,000)

One Bump Certificates of Deposit are not currently being offered.
TermAPY*
30 months1.26%
48 months1.56%

Reward Certificates of Deposit (≥ $1,000)

Must have or open and maintain a direct deposit to a Texas Citizens Bank Personal Reward Account.
TermAPY*
3 months0.85%
6 months1.25%
9 months1.35%
12 months1.60%
18 months1.85%
24 months2.20%
36 months2.37%

DOWNLOAD CD BENEFITS PDF


FEES


ActionFee
Account Statement
Printout During Cycle (e-Statement is free)$4
Faxed $5
Paper Account Statement with imaged transactions 
 (in place of electronic statement)$1/month
Balance Inquiry (Checking and Savings)
     AutoFree
     In Person3 Free, $2 for each additional
Cashier’s Check
     Customer$10
     Non-Customer$20
Closed Account (within first 90 days)$25
Coin
     Currency Strap In/Out$0.50
     Rolled Coin In/Out$0.10
     Coin Deposit Sorted BagNo charge
     Coin Deposit Mixed BagNo charge
     Box Coin Wrappers$3 + cost
Collection (per item)$20
Currency Bags
     Coin Bag$2.50
     Money BagFirst bag free, $5 for each additional
Deposit CorrectionNo charge
Deposited Item Returned$5
     Special Handling$10
Garnishment/Writ$50 + legal fees
Gift Cards$5
Hold Statement$5
Overdraft Item*$35/item
Return Item Fee (non-sufficient funds)**$35/item
Levy$50
Money Order
     Customer$6
     Non-Customer$12
Night Deposit Bag$25
Notary Service
     Customer Free
     Non-Customer(per signature) $15
Online Banking Cash Management$35/month
     Automated Clearing House (ACH)
         Batch Originated$10/batch
         Item Originated$0.13/item
     Bill Pay Check Reproduction$10
     Bill Pay Research$30
     Bill Pay Stop Pay$25
     Electronic Funds Transfer Payment System (EFTPS)
         Items Originated$3/item
Research
     Per Hour$25 (1 hour minimum)
     Per Copy$1
Stop Payment
     Per Item$25
     Range$25
Temporary CheckFirst 4 free, $0.25 for each additional
Transfer of Funds
     Auto SystemFree
     Telephone$5
Wire Transfer
     Branch Banking Domestic Outgoing$20
     Branch Banking International Outgoing$20 + $45
     Online Banking Domestic Outgoing$15
     Online Banking International Outgoing$15 + $45
     Domestic/International Incoming$5
     Phone/Fax Notification$5

* Overdraft Fee: $35 for each overdraft created by checks, in person withdrawals, ACH, or other electronic means; does not include ATM or one-time debit card transactions unless you have consented to the Bank’s overdraft services.

** Return Item Fee: $35 for each check and electronic item presented against non-sufficient funds and returned unpaid.

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: