Interest Bearing Accounts

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institution to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you come to the bank to open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.

Certification of Beneficial Owners of Legal Entities Form


For a complete list of documentation necessary from the customer to open Business Accounts, please click here.


Business Savings*

  • Minimum to open: $300.00
  • $1 minimum daily balance to earn interest
  • Quarterly minimum balance fee:
    – Minimum balance $300.00 and over:   No Fee
    – Minimum balance under $300.00:   $7.50 per quarter
  • 3 free withdrawals per month, thereafter $5.00 each withdrawal.

NOW Business (Sole Proprietorship only)

  • Minimum to open: $1,500.00
  • Unlimited check writing
  • Unlimited transactions
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Monthly balance fee:
    – Minimum balance $1,500.00 and over:   No Fee
    – Minimum balance under $1,500.00:  $10.00
       (In addition, no daily interest is accrued)

IOLTA Accounts (Attorneys Only)

  • Minimum to open: $2,500.00
  • Unlimited check writing
  • Monthly balance fee: None
  • Minimum balance under $2,500 : No accrued interest

Accrued Interest is sent to Texas Equal Access to Justice Foundation in Austin, Texas.


Money Market Business*

  • Minimum to open: $2,500.00
  • Tiered Rate
  • Minimum balance $2,500 and over: No Fee
  • Minimum balance under $2,500 : $10.00
    (In addition, no daily interest is accrued)

(Interest Computation: Interest is credited to the account monthly.)


Maximizer Money Market Business*

Relationship pricing which requires Business Checking Account
All Non-Interest Bearing Checking Accounts qualify for Relationship pricing
Up to 14 Non-Interest Bearing Accounts can be included in rate determination
Resulting rate applied to Maximizer Money Market Business Account only

  • Minimum to open: $2,500.00
  • Tiered Rate Account
  • Tiered Variance
  • Basic Online Cash Management Services  
  • Minimum balance fee: 
    – Minimum balance $2,500.00 and over:  No fee
    – Minimum balance under $2,500.00:  $25.00
    – No daily accrual on balances less than:  $2,500.00

(Interest Computation: Interest is credited to the account monthly)

Call 409-763-1271 for current rate information.

*Withdrawals: (All money market and savings accounts.) Federal regulation limits the number of withdrawals. Depositor may make no more than 6 preauthorized withdrawals -including but not limited to withdrawals made by ACH, telephone, wire, check, draft, debit card or similar order (including POS -transactions) each statement cycle.  This limitation does not apply to ATM, over-the-counter, mail or messenger transactions.