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BANK ON HOUSTON - PRODUCTS MATRIX as of December 2014CriteriaAmegy Bank of TexasBank of AmericaBB&TBB&T2BB&T22Product NameAmegy EssentialCheckingBank of America CoreCheckingBright BankingMoney AccounteSavingsMinimum Opening Deposit 50 25 50Online - No Minimum; 50 if opened at abranchNo Minimum( 0)Minimum BalanceAverage monthly 500NoneNoneNoneNoneMonthly FeeChecks IncludedCredit/Debit Card includedOnline Bill PayAlternative Id Accepted as PrimaryIdentificationOpen Accounts for customers withChexSystems HistoryRemittance products availableWire TransferMoney OrderOffer Financial EducationFirst Overdraft Fees WaivedOverdraft Fees Waivedwaived ( 0) if directdeposits total 500 orwaived with directmore in a month, or ifdeposit of 250 oraverage monthly 5; reduced to 3 forwaived ( 0) if balance more, OR average daily balance is 1,500 orany month totalaverages 500 monthly; balance of 1,500, OR more, or if you have adeposits are 1,000 orotherwise, 5qualify for studentBB&T mortgage with anmorewaiver of under 23 and outstanding balance, orenrolled in schoolif all accounts and loanbalances total 6,000 ormore; otherwise, 10N/A ( 0)YesYesYesYesYesYesYesYesYesNoYesYesN/AATM /ANo; 12.50 withoverdraft protectiontransfer from a BB&Tsavings accountN/AN/AN/ANo; 10 transfer fee onOverdraft Line of Credit days bank does transferProtection availablefor you; 35 overdraftfee per itemBounced Check Fee 7.50 with autocoverage from Savingsaccount or 35 per itemwithout auto-coverage 35 per item 36N/AOverdraft ProtectionYesYesYesN/A
BANK ON HOUSTON - PRODUCTS MATRIX as of December 2014CriteriaCapital One BankCentral BankJP Morgan ChaseJP Morgan Chase2CitibankProduct NameRewards CheckingFree CheckingChase Total CheckingMinimum Opening Deposit 50 50 25 25 0Minimum Balance 300 minimum dailybalance OR a singlemonthly Direct Depositof 250 or moreNoneNoneNoneNoneLiquid Account (prepaid Basic Banking Packagecard account)(Checking)waived ( 0) if ONE ofthe following are met: 1Direct Deposit and 1 BillPay per cycle, OR 1,500 in combined 4.95; no transactionaverage balances infeeschecking or with linkedsavings products, ORfirst-listed owner on theaccount is age 62 orolder, otherwise, 10Monthly Fee 0, if monthly minimumbalance is met;otherwise, 8.95No 12Checks IncludedYesYesYesNoYesCredit/Debit Card includedYesYesYesYesYesYesOnline Bill PayYesYesYesNo. Can pay bills usingyour 16-digit cardnumber on merchantsites that accept Visadebit cards, 0 fee byChase; merchant'sservice charge mayapplyYesYesYesYesYesAlternative Id Accepted as PrimaryIdentificationOpen Accounts for customers withChexSystems HistoryRemittance products availableWire TransferMoney OrderOffer Financial EducationFirst Overdraft Fees WaivedOverdraft Fees WaivedBounced Check FeeNoYes (over 1 year old)NoNoYesNoYesNoYesNoNo; 35 35NoYesYesYesNoNo; 35 35NoYesYesNoNoNo; 34 34NoNoYesNoNoN/AN/AYesYesYesNoNo 34 12Overdraft ProtectionYesYesYesN/AYes
BANK ON HOUSTON - PRODUCTS MATRIX as of December 2014CriteriaEnergy Capital CreditUnionFirst ConvenienceBankFirst Service CreditUnionHouston Metropolitan Houston MetropolitanFederal Credit UnionFederal Credit UnionAdvantage Checking(must open AdvantageSavings as primaryaccount)Product NameStar CheckingPower AccountFresh Start CheckingAdvantage SavingsMinimum Opening Deposit 100 1 1Minimum BalanceNone 100None 2 complimentaryopening deposit 25 to earn interestMonthly Fee 0Waived, if 1 of the nofee qualifiers is meteach monthlystatement cycle of:maintain a balance of 100 or more per day,OR have at least 8 DebitCard purchasesreflected on yourmonthly statement(ATM transactions donot count towards the 8purchases), OR amonthly reoccurringDirect Deposittransaction of 100 ormore, OR at least 1account holder age 55or older; otherwise, 12 9 0 0Checks IncludedCredit/Debit Card includedOnline Bill PayAlternative Id Accepted as PrimaryIdentificationOpen Accounts for customers withChexSystems HistoryRemittance products availableWire TransferMoney sYesYesYesYesYes (over year old)YesYesYesYesYesYesYesNoYesYes (less than 1 yearold)NoYesYesNoNoYesNoYesYesOffer Financial EducationYesYesNoYesYesFirst Overdraft Fees WaivedNoNoNoNoOverdraft Fees Waived 35 30N/A 30Bounced Check FeeOverdraft Protection 35NoNo 35; additionalmerchant fees mayapply 35Yes 30NoN/AN/A 30Yes 25 0
BANK ON HOUSTON - PRODUCTS MATRIX as of December 2014People's Trust Federal People's Trust FederalCredit UnionCredit Union2CriteriaIBC BANKMidSouth BankProduct NameFree CheckingSimple CheckingClassic CheckingOpportunity CheckingMinimum Opening Deposit 25 50 20 20Minimum BalanceNone .01 (accounts closewith zero balance)NoneNoneMonthly FeeNoneNo, if e-statements anddebit card activated;otherwise 5No 10.00 Monthly Fee;direct deposit requiredYesYesYesYesYesYesYes; free online billpayand online bankingYesYesYesYes; Matricula Card;secondary forms ofAlternative Id Accepted as Primaryidentification acceptedIdentificationif presented with VisaLaser or YesYesYesNoN/A; all NSF checksreturned 35No; 5 per transfer, iflinked to anotherMidSouth account;otherwise 29 per item 29N/A; all NSF checksreturnedBounced Check Fee 35No; 5 per transfer, iflinked to anotherMidSouth account;otherwise 29 per item 29N/A; all NSF checksreturnedOverdraft ProtectionNoYesYesN/A; all NSF checksreturnedChecks IncludedCredit/Debit Card includedOnline Bill PayYes; first 50introductory checks arefreeYesOpen Accounts for customers withChexSystems HistoryRemittance products availableWire TransferMoney OrderOffer Financial EducationYes (less than 1 yearold)NoNoNoNoFirst Overdraft Fees WaivedNoOverdraft Fees Waived
BANK ON HOUSTON - PRODUCTS MATRIX as of December 2014CriteriaPreferred BankPromise Credit UnionRegions BankUnity National BankProduct NamePreferred InterestCheckingSavings and CheckingAccountLifeGreen CheckingUnity AdvantageCheckingMinimum Opening Deposit 100 10 50 100Minimum Balance 1,500 10NoneNoneMonthly FeeChecks IncludedCredit/Debit Card includedOnline Bill PayAlternative Id Accepted as PrimaryIdentificationNo, if balance averagedaily balance above 1,500; otherwise 10Yes; first box of checksare freeYesYesYesYes, if debt on accountsOpen Accounts for customers withwith other institutionsChexSystems Historyis paid off 0, monthly fee can bewaived if 1 of thefollowing qualifiers ismet each monthlystatement cycle: DirectDeposit of at least 1payroll or government 0, no monthly fee; 3Direct Deposit of atper month if customerleast 500 or arequests papercombined amount ofstatement 1,000; OR 1,500average monthlybalance in the account;otherwise, 8 monthlywith online statementor 10 monthly withpaper statementYesYesYesYesYesYesYesYesYesYesYesYesYes (over 1 year old)NoCase-by-case basisNOYesYesNoYes, upon customerrequest 36 36YesYesNoYesRemittance products availableWire TransferMoney OrderOffer Financial EducationNoYesYes, 3NoNoYesNoYesFirst Overdraft Fees WaivedNoNoOverdraft Fees WaivedBounced Check Fee 32 32No 25Overdraft ProtectionNoNone ( 0), if 1 of thefollowing qualifiers ismet each monthlystatement cycle: atleast 1 Direct Deposit of 500 or more (severaldirect deposits thattotal 500 does notqualify), OR a minimumdaily balance of 1,500or more in the account,OR an average balanceof 2,500 or more in acombination of depositaccounts (checking,personal savings, ormoney marketaccounts)criteria met*; otherwise 7.50NoYes, available astransfers from depositaccounts, lines ofcredit, or credit cardsNo 34 34No
BANK ON HOUSTON - PRODUCTS MATRIX as of December 2014Wells FargoWoodForest NationalBankWoodForest NationalBank2WoodForest NationalBank2Product NameVisit a Wells Fargorepresentative at anylocation that isconvenient for you todiscuss accountoptions that best fityour needs.Woodforest CheckingSecond ChanceCheckingSavings AccountMinimum Opening Deposit" 25Minimum Balance"N/A * 25; plus one-time 9account setupN/A 25; plus one-time 9account setup 200No Charge with directdeposit OR with 100No Charge with balance 7.95 with directmin daily balance;of 200.00 or above;deposit; 9.95 without 5.95 if either of the 3.00 fee with balance ofdirect depositabove requirements 0.00 - 199.99are not metMonthly Fee"Checks IncludedCredit/Debit Card includedOnline Bill PayAlternative Id Accepted asPrimary IdentificationOpen Accounts for customerswith ChexSystems HistoryRemittance products availableWire TransferMoney OrderOffer Financial EducationFirst Overdraft Fees WaivedOverdraft Fees WaivedBounced Check FeeOverdraft YesYesYes""""""""NoYesYesYesNoNo, 30 30YesNoYesYesYesNoNo, 30 30YesNoYesYesYesN/AN/AN/AN/A
Criteria Preferred Bank Promise Credit Union Regions Bank Unity National Bank Product Name Preferred Interest Checking Savings and Checking Account LifeGreen Checking Unity Advantage Checking Minimum Opening Deposit 100 10 50 100 Minimum Balance 1,500 10 None None Monthly Fee No, if balance average daily balance above 1,500; otherwise 10
