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—several Certificate of Deposit (CD) and Money Market options available. Our rates, fees, and terms are simple and straightforward and our customer service is unmatched. Enjoy 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, 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.

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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	0.20%

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 Balance	APY*
< $25,000	1.21%
≥ $25,000	0.20%

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 March 20, 2020.

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BizReward Money Fund

Minimum Balance	APY*
< $2,500	0.00%
$2,500–$24,999.99	0.35%
$25,000–$99,999.99	0.50%
$100,000–$249,999.99	0.85%
≥250,000	1.00%

DOWNLOAD IRA SAVINGS BENEFITS PDF

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Money Market

Minimum Balance	APY*
< $2,500	0.10%
$2,500–$24,999.99	0.25%
$25,000–$99,999.99	0.50%
$100,000–$249,999.99	0.75%
≥ $250,000	1.00%

DOWNLOAD IRA SAVINGS BENEFITS PDF

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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	0.25%
$25,000–$74,999.99	0.25%
$75,000–$249,999.99	0.75%
$250,000–$749,999.99	1.36%
≥$750,000	1.66%

DOWNLOAD IRA SAVINGS BENEFITS PDF

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IRA Savings

Minimum Balance	APY*
< $2,500	0.10%
$2,500–$24,999.99	0.40%
$25,000–$99,999.99	0.55%
$100,000–$249,999.99	0.75%
≥ $250,000	0.85%

DOWNLOAD IRA SAVINGS BENEFITS PDF

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Savings Account

Minimum Balance	APY*
N/A	0.10%

DOWNLOAD IRA SAVINGS BENEFITS PDF

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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 March 20, 2020.

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Certificates of Deposit (≥$1,000)

Term	APY*
3 months	0.45%
6 months	0.75%
9 months	1.26%
12 months	0.85%
18 months	1.00%
24 months	1.10%
36 months	1.26%

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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	1.71%**
** 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	0.55%
6 months	0.85%
9 months	1.36%
12 months	0.95%
18 months	1.10%
24 months	1.21%
36 months	1.36%

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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