Rates + Fees

Explore interest-earning Houston deposit accounts

Save more time and money with competitive yields on various 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.

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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

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Now Checking

Minimum Balance	APY*
< $1,500	0.00%
≥ $1,500	0.10%

DOWNLOAD NOW CHECKING BENEFITS PDF

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Savings

Fees could reduce earnings. Rates may change after opening. Rates current as of June 17, 2020.

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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%

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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%

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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%

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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%

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Savings Account

Minimum Balance	APY*
N/A	0.10%

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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 September 14, 2020.

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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%

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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	0.25%**
** Subject to change. See description above for details.

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"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%

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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%

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FEES

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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