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 unlimited check writing and no monthly service charge. | Best if you want an account with check writing capability and imaged statements. | Best if you want an account where your teen can learn financial independence. |
| 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 Daily Balance1 | None | $500 | None |
| Monthly Service Charge | N/A | $102 | $53 |
| Statement Cycle | Monthly | Monthly | Monthly |
| Check Writing | Available | Available | N/A |
| Statement with Check Images | N/A | Yes | N/A |
| Direct Deposit | Included | Included | Included |
| TNB Debit Card | Included | Included | Included |
| Mobile Wallet (Apple, Google & Samsung Pay) | Included | Included | Included |
| eStatements | Available | Available | Available |
| Online Banking | Included | Included | Included |
| Mobile Banking | Included | Included | Included |
| Bank by Phone | Included | Included | Included |
| Overdraft Courtesy4 | Included | Included | None |
| Daily ATM Limits | $500 | $500 | $300 |
| Daily POS5 Limit | $3,000 | $3,000 | $200 |
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.
*Requires an Adult Companion Checking Account, Parent or guardian must be co-owner of account.
1 Must maintain the minimum daily balance to avoid the monthly service charge. 2Fee will be assessed if minimum balance is not maintained. 3Fee will be assessed if account is not set up for eStatements. 4Overdraft/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.
5 Point of Sale.
Other terms and conditions may apply. Mobile carrier message and data rates may apply.