At Texas National Bank, we offer a variety of personal savings accounts and investment options to help our customers reach their savings goals. 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.

Personal Savings Rico's Savings Club Money Market Premier Money Market Certificate of Deposit IRA
Account Features Best if you want to put away money for that rainy day while earning interest. Best if you want to help build a head start for your child's financial success Best if you want to earn interest on a tiered checking account with limited monthly transactions and complete access to your money Best if you want to earn more interest than a Savings account and have access to your money. Best if you want to earn a higher fixed rate on your money than a Savings or Money Market Account Best if you want to save money for retirement with a tax advantage IRA
Online Account Opening Apply Now In Branch Only Apply Now Apply Now In Branch Only In Branch Only
Age Requirement to Open 18 Years Minimum 0-17 Years Old 17 Years Minimum 18 Years Minimum 18 Years Minimum 18 Years Minimum
Minimum Opening Deposit $100 $25 $2,500 $2,500 $1,000 $1,000
Minimum Balance to Avoid Monthly Fee $200 N/A $2,500 $2,500 N/A N/A
Monthly Fee (if minimum balance is not maintained) $5 N/A $15 $15 N/A N/A
Maturity Terms N/A N/A N/A N/A 3 - 60 Months 12 - 36 Months
Does it Earn Interest? Yes Yes Yes Yes Yes Yes
Are the Rates Tiered? Yes Yes Yes Yes No No
Interest Tiers $0 - $99
$100 - $4,999
$5,000 -$49,999
$50,000 +
$0 - $99
$100 - $4,999
$5,000 -$49,999
$50,000 +
$0 - $24,999
$25,000- $49,999
$50,000- $74,999
$75,000- $99,999
$100,000 and above
$0 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 +
N/A N/A
How Is the Interest Compounded? Quarterly Monthly Monthly Monthly Quarterly Quarterly
When Is Interest Paid? Quarterly Monthly Monthly Monthly Various Various
Statement Cycle Quarterly Monthly Monthly Monthly N/A N/A
Can Checks be Written? N/A N/A Yes Yes N/A N/A
Withdrawal Limitations 2 Monthly 2 Monthly 6 Monthly 6 Monthly Withdrawal penalties may apply No Bank Penalty
Fee for Excess Withdrawals $5 $5 $12 $12 N/A N/A
Do Statements Have Check Images? N/A N/A Yes Yes N/A N/A
eStatements Included Included Included Included N/A N/A
Direct Deposit Included N/A Included Included N/A N/A
TNB Debit Card Included Rico ATM Card Included Included N/A N/A
Online Banking Included Included Included Included Included Included
Mobile Banking Included Included Included Included Included Included
Bank by Phone Included Included Included Included Included Included
Daily ATM Limit $500 $100 $500 $500 N/A N/A
Daily POS Limit2 $3,000 N/A $3,000 $3,000 N/A N/A
Mobile Wallet (Apple, Google & Samsung Pay) N/A N/A Included Included N/A N/A

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.

2Point of Sale
Other terms and conditions may apply. Mobile carrier message and data rates may apply.