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Personal Banking - Checking


Everyone has a different goal in mind when choosing a checking account. We offer a variety of account options that are designed to not only make managing your money easy but also making your money work harder for you. Select the right account and it becomes the heart of our banking relationship that helps you do more with your money in less time. Should you have any questions, please call us at (512) 261-0035 in Lakeway, Texas or (830) 598-4444 in Granite Shoals, Texas.
 
Personal Checking
Texas Country Bank Account Bluebonnet Free & Simple Checking Bluebonnet High Yield Checking
Minimum to open… $100 $10,000
Maintenance Fee… FREE $10 if daily balance falls below $10,000
Interest Bearing… Yes, based on Tier level Yes, based on Tier level
Debit item (transaction) fees… NONE An ATM/Debit Card fee of $2.50 (3 FREE per statement cycle) and an ATM Balance inquiry fee of $1.50 may apply for each transaction at ATMs we do not own or operate in addition to any fees assessed by the machine owner.
Check Writing… Unlimited Unlimited
Secured Online Banking… Yes Yes
Direct Deposit… Yes Yes
FDIC Insurance… Yes Yes
Account Disclosures… Interest Calculation Method A Interest Calculation Method A

Interest Calculation Method A

We use the daily-balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to the account monthly. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. If you close your account before the interest is credited, you will not receive the accrued interest. For the deposit of non-cash items, interest begins to accrue no later than the business day we receive credit for the item.

ATM/Debit Card Fees  (does not apply to Bluebonnet Free & Simple Checking Account)

An ATM/Debit Card fee of $2.50 (3 FREE per statement cycle) and an ATM Balance inquiry fee of $1.50 may apply for each transaction at ATMs we do not own or operate in addition to any fees assessed by the machine owner. Unlimited transactions allowed with no transaction fee at Texas Country Bank ATMs and Intercept participating terminals. Access www.surchargefree.com to locate participating ATMs nationwide

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