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REWARD CHECKING / REWARDCHECKING PLUS ACCOUNTSReview account benefits and interest ratesTEXAS CITIZENS BANK4949 Fairmont ParkwayPasadena, Texas 77505TexasCitizensBank.com Texas Citizens Bank 2018. All rights reserved.
Reward Checking / Reward Checking Plus AccountsPerfect for spenders with decent savings looking to maximize their checking account, our Reward accounts includes freereward checks for life of the account. If you make frequent transactions and plan to pay bills and view statementsonline, Reward Checking is the way to go. To qualify, simply make three online bill payments and 12 non-ATM debit cardtransactions per month online and switch to eco-friendly e-statements.A base interest rate of 0.02% will be paid if requirements are not met per qualification cycle.1 Tier-based interest iscalculated on a daily collected balance and paid monthly. Upgrade to Reward Checking Plus to unlock higher interestrates. Simply add direct deposit to your Reward Checking account to convert it into a Reward Checking Plus account.Minimum Opening Deposit: 100Minimum Balance: N/ABenefits Online Banking Bill Pay Fee refunds for any ATM withdrawal in the United States Debit Card Check Imaging with e-Statement Reward checks for life of the account Higher yields with direct deposit (Reward Checking Plus) Tier-based interestAccounts at a GlanceReward Checking / Reward Checking PlusMinimum Opening Deposit 100Minimum BalanceN/AMinimum Bill Pay TransactionsMinimum Debit Card Transactions3Required to be eligible for rewards12Required to be eligible for rewards. Cannot be through an ATM. Texas Citizens Bank 2018. All rights reserved.
Maintenance FeeNoATM WithdrawalsYesOnline BankingYesYese-StatementsRequired to be eligible for rewardsCheck ImagingYesBill PayYesDebit CardYesReward ChecksYesStandard Safety ChecksNoSeasoned Citizens ChecksNoCashier’s ChecksNoMoney OrdersNo Texas Citizens Bank 2018. All rights reserved.
YesInterestHigher with direct deposit relationship(Reward Checking Plus)Annual Percentage Yield (APY)Annual Percentage Yield* (APY) is a percentage rate reflecting the total amount of interest paid on an account, based onthe interest rate and the frequency of compounding during a 365-day period. Rates current as of April 2, 2018. Ratesmay change after account opening. Fees could reduce earnings.Reward Checking APY*Reward Checking Plus APY* 25,0000.75%1.21% 250,0000.20%0.20%Schedule of FeesActionAccount StatementPrintout During Cycle (e-Statement is free)FaxedPaper Account Statement with imaged transactions(in place of electronic statement)Balance Inquiry (Checking and Savings)AutoIn PersonCashier’s CheckCustomerNon-CustomerClosed Account (within first 90 days)CoinCurrency Strap In/OutRolled Coin In/OutCoin Deposit Sorted BagCoin Deposit Mixed BagBox Coin WrappersCollection (per item)Currency BagsCoin BagMoney BagDeposit CorrectionDeposited Item ReturnedFee 4 5 1/monthFree3 Free, 2 for each additional 10 20 25 0.50 0.10No chargeNo charge 3 cost 20 2.50First bag free, 5 for each additionalNo charge 5 Texas Citizens Bank 2018. All rights reserved.
Special HandlingGarnishment/WritGift CardsHold StatementOverdraft Item*Return Item Fee (non-sufficient funds)**LevyMoney OrderCustomerNon-CustomerNight Deposit BagNotary ServiceCustomerNon-CustomerOnline Banking Cash ManagementAutomated Clearing House (ACH)Batch OriginatedItem OriginatedBill Pay Check ReproductionBill Pay ResearchBill Pay Stop PayElectronic Funds Transfer Payment System (EFTPS)Items OriginatedResearchPer HourPer CopyStop PaymentPer ItemRangeTemporary CheckTransfer of FundsAuto SystemTelephoneWire TransferBranch Banking Domestic OutgoingBranch Banking International OutgoingOnline Banking Domestic OutgoingOnline Banking International OutgoingDomestic/International IncomingPhone/Fax Notification 10 50 legal fees 5 5 35/item 35/item 50 6 12 25Free(per signature) 15 35/month 10/batch 0.13/item 10 30 25 3/item 25 (1 hour minimum) 1 25 25First 4 free, 0.25 for each additionalFree 5 20 20 45 15 15 45 5 5* Overdraft Fee: 35 for each overdraft created by checks, in person withdrawals, ACH, or other electronic means; does not include ATM or one-time debit cardtransactions unless you have consented to the Bank’s overdraft services.** Return Item Fee: 35 for each check and electronic item presented against non-sufficient funds and returned unpaid.PLUS Reorder checks online at your convenience Texas Citizens Bank 2018. All rights reserved.
1.Easily report lost or stolen debit card online or over the phone: (800) 544-8969More than 50 currencies available for online exchangeQualification cycle means a period beginning one day prior to the current statement through one day prior to the close of the current statement.For more information, please call your local TCB bank representative at (713) 948-5700. Texas Citizens Bank 2018. All rights reserved.
Upgrade to Reward Checking Plus to unlock higher interest rates. Simply add direct deposit to your Reward Checking account to convert it into a Reward Checking Plus account. Minimum Opening Deposit: 100 Minimum Balance: N/A Benefits Online Banking Bill Pay Fee refunds for any ATM withdrawal in the United States Debit Card
