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.