At Texas National Bank, we offer a variety of personal checking accounts. All of our personal banking accounts include Free Online Banking so you can access your account information at any time, 24 hours a day, 7 days a week.

Texas Checking Regular Checking Texas Teen Checking
Account Features Best if you want an account with limited check writing and no monthly account fee. Best if you want an account with larger check writing capability and imaged statements. Best if you want an account where your teen can learn financial independence. Requires a separate Parent/Guardian account with TNB.
Online Account Opening Apply Now Apply Now In Branch Only
Age Requirement to Open 18 Years Minimum 18 Years Minimum 13-17 Years Old
Minimum Opening Deposit $50 $200 $50
Minimum Balance to Avoid Monthly Fee None $500 None
Monthly Fee None $101 $54
Statement Cycle Monthly Monthly Monthly
Can Checks be Written? Yes Yes No
Statement with Check Images None Yes None
eStatements Included Included Included
Direct Deposit Included Included Included
TNB Debit Card Included Included Included
Online Banking Included Included Included
Mobile Banking Included Included Included
Bank by Phone Included Included Included
Overdraft Courtesy2 Included Included None
Daily ATM Limits $500 $500 $300
Daily POS3  Limit $3,000 $3,000 $200
Mobile Wallet (Apple, Google & Samsung Pay) Included Included Included

Are My Deposits Insured?
FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

1 Fee will be assessed if minimum balance is not maintained
2 Overdraft/returned item fees may apply. Refer to Overdraft Courtesy for more information. The total of the negative balance, including any and all fees and charges (e.g., non-sufficient funds/overdraft fees), is due and payable immediately, without demand.
3 Point of Sale
4 Fee will be assessed if account is not set up for e-statements
Other terms and conditions may apply. Mobile carrier message and data rates may apply.