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 * Texas 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 account with limited monthly transactions Best if you want to earn interest with limited monthly transactions and higher tiers than the Texas Money Market Best if you want to earn a fixed rate on your money. 3-60 month terms available Best if you want to save for retirement with a tax advantage. 12-36 month terms available
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 18 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 Daily Balance1 $200 N/A $2,500 $2,500 N/A N/A
Monthly Service Charge $52 N/A $152 $152 N/A N/A
Statement Cycle Quarterly Monthly Monthly Monthly N/A N/A
Check Writing N/A N/A Available Available N/A N/A
Statement With Check Images N/A N/A Yes Yes N/A N/A
Direct Deposit Included N/A Included Included N/A N/A
TNB Debit Card N/A Rico ATM Card Included Included N/A N/A
Mobile Wallet (Apple, Google & Samsung Pay) N/A N/A Included Included N/A N/A
eStatements Available Available Available Available N/A N/A
Does it Earn Interest? Yes Yes Yes Yes Yes Yes
How Is the Interest Compounded? Quarterly Monthly Monthly Monthly Quarterly Quarterly
When Is Interest Credited? Quarterly Monthly Monthly Monthly Quarterly3 Quarterly3
Are the Rates Tiered? Yes Yes Yes Yes No No
Limitations 2 Monthly Withdrawals 2 Monthly Withdrawals 6 Monthly Transactions 6 Monthly Transactions Early Withdrawal Penalties May apply No Bank Penalty
Fee for Excess Transactions $5 Each4 $5 Each4 $12 Each $12 Each N/A N/A
TNB Debit Card N/A 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 N/A $100 $500 $500 N/A N/A
Daily POS5 Limit N/A N/A $3,000 $3,000 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.

*Requires an Adult Companion Checking Account, Parent or guardian must be co-owner of account.

1Must maintain the minimum daily balance to avoid the monthly service charge. 2Fee will be assessed if minimum balance is not maintained. 3Quarterly transfers to other accounts or checks are available.

4For the purpose of this account "transaction" refers to withdrawals. 5Point of Sale.

Other terms and conditions may apply. Mobile carrier message and data rates may apply.