Texas Country Bank

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 feel free to 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
Monthly Service 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…	8 debit transactions FREE per month; An Item Fee of $1.00 for each debit transaction in excess of 8 per month applies. An item Fee of $1.50 for each debit transaction at ATM’s we do not own or operate applies plus any fees assessed by the machine owner.	No transaction fees for accounts with a daily balance of $10,000 or more; otherwise 8 debit transactions FREE per month; An Item Fee of $1.00 for each debit transaction in excess of 8 per month applies. An Item Fee of $1.50 for each transaction at ATM’s we do not own or operate applies plus any fees assessed by the machine owner.
Check Writing…	Unlimited	Unlimited
Overdraft Privilege…	Yes, for qualifying accounts	Yes, for qualifying accounts
Secured Online Banking…	Yes	Yes
FREE AnyTime 24-hour telephone 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

ATM/Debit Cards - $1.50 per ATM transaction done at ATMs other than Texas Country Bank. Item fee of $1.00 for each debit transaction in excess of 8 per month. Unlimited transactions allowed with no transaction fee at Texas Country Bank ATM. Bluebonnet High Yield accountholders maintaining a daily balance of $10,000 or more are not charged any transaction fees.

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