Explore interest-earning deposit accounts in Greater Houston
Save more time and money with competitive yields on checking, savings, money market, and certificates of deposit accounts.
TCB savings and checking accounts include:
- Surcharge refunds for any ATM withdrawal (International Transaction Fees are not automated and will be refunded upon request)
- Attractive interest rates with most savings accounts
- The ability to 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 September 14, 2020.
Reward Checking
If the requirements for Reward Checking are not met, the annual percentage yield is 0.02%.
Minimum Balance | APY* |
< $25,000 | 0.75% |
≥ $25,000 | 0.10% |
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 Balance | APY* |
< $25,000 | 1.21% |
≥ $25,000 | 0.10% |
DOWNLOAD REWARD CHECKING/PLUS BENEFITS PDF
Now Checking
Minimum Balance | APY* |
< $1,500 | 0.00% |
≥ $1,500 | 0.10% |
DOWNLOAD NOW CHECKING BENEFITS PDF
Savings
Fees could reduce earnings. Rates may change after opening. Rates current as of June 17, 2020.
BizReward Money Fund
Minimum Balance | APY* |
< $2,500 | 0.00% |
$2,500–$24,999.99 | 0.15% |
$25,000–$99,999.99 | 0.20% |
$100,000–$249,999.99 | 0.35% |
≥250,000 | 0.50% |
Money Market
Minimum Balance | APY* |
< $2,500 | 0.10% |
$2,500–$24,999.99 | 0.15% |
$25,000–$99,999.99 | 0.25% |
$100,000–$249,999.99 | 0.40% |
≥ $250,000 | 0.50% |
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 Balance | APY* |
<$25,000 | 0.10% |
$25,000–$74,999.99 | 0.15% |
$75,000–$249,999.99 | 0.40% |
$250,000–$749,999.99 | 0.50% |
≥$750,000 | 0.65% |
IRA Savings
Minimum Balance | APY* |
< $2,500 | 0.10% |
$2,500–$24,999.99 | 0.15% |
$25,000–$99,999.99 | 0.25% |
$100,000–$249,999.99 | 0.40% |
≥ $250,000 | 0.50% |
Savings Account
Minimum Balance | APY* |
N/A | 0.10% |
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 October 30, 2020.
Certificates of Deposit (≥$1,000)
Term | APY* |
3 months | 0.15% |
6 months | 0.25% |
9 months | 0.50% |
12 months | 0.35% |
18 months | 0.40% |
24 months | 0.50% |
36 months | 0.60% |
20-Month 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 on the last Monday of Jan., April, July, Oct. plus 0.15%
Term | APY* |
20 months | 0.24%** |
** Subject to change. See description above for details.
| |
"One Bump" Certificates of Deposit (≥ $10,000)
One Bump Certificates of Deposit are not currently being offered.
Term | APY* |
30 months | 1.26% |
48 months | 1.56% |
Reward Certificates of Deposit (≥ $1,000)
Must have or open and maintain a direct deposit to a Texas Citizens Bank Personal Reward Account.
Term | APY* |
3 months | 0.25% |
6 months | 0.35% |
9 months | 0.60% |
12 months | 0.45% |
18 months | 0.50% |
24 months | 0.60% |
36 months | 0.70% |
FEES
Action | Fee |
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) | |
    Auto | Free |
    In Person | 3 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 Bag | No charge |
    Coin Deposit Mixed Bag | No charge |
    Box Coin Wrappers | $3 + cost |
Collection (per item) | $20 |
Currency Bags
| |
    Coin Bag | $2.50 |
    Money Bag | First bag free, $5 for each additional |
Deposit Correction | No 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 Check | First 4 free, $0.25 for each additional |
Transfer of Funds | |
    Auto System | Free |
    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.