About Us
Schedule Of Service Fees
Checking Services
Banclub® Plus Checking Account
No Minimum Balance
Unlimited Check Writing
Banclub Checks are FREE
Free Check Image Statements
Free AD & D Insurance
Free Online Banking and Bill Pay*
Monthly Membership fee is $7 individual; $8 joint and $9 family
Free Date Reminder Service and More
The following fees are waived or modified for Banclub accounts.All other fees in schedule apply:
| Travelers Checks |
No Charge |
| Safe Deposit Box |
$5.00 annual credit on box rent |
Free & Easy Checking Account
No Minimum Balance Required
No Monthly Service Fee
Unlimited Check Writing
First order of Wallet Style Duplicate Checks are FREE
Simplified Monthly Statement
Advantage Checking Account
Unlimited Check Writing
First order of Wallet Style Checks are FREE
Free Check Image Statements
Free Email Statements available upon request
Maintain $500 minimum or pay $7.50 per month
Senior Advantage: No monthly service fee & free wallet checks beginning at the young age of 50!
Premium Advantage Checking Account
Earned Tiered Interest on Entire Balance*
Unlimited Check Writing
1 box of Wallet Style Checks are Free per year
Free Check Image Statements
Free Email Statements available upon request
Maintain $1,000 minimum balance of pay $10 per month
Small Business Checking Account
Maintain $500 minimum balance or pay $10
Up to 200 transactions* included per month
Excess transactions are $.25 per item
Up to $15,000 coin and currency handling monthly
Free Check Image Statements
Free Email Statements available upon request
Advantage Business Checking Account
Maintain $250 minimum balance of pay $15
Up to 500 transactions* included per month
Excess transactions are $.25 per item
Up to $25,000 coin and currency handling monthly
Free Check Image Statements
Free Email Statements available upon request
Business Analysis Checking Account
Earnings credit is applied to account balances to offset service charges.
Free Check Image Statements
Free Email Statements available upon request*
Transactions include deposit forms, checks deposited, ACH debits and
credits and checks drawn against your account.
| Online Banking* |
No Monthly |
| Bill Pay* |
No Monthly Charge |
| (minimum 5 transactions per month required) |
| Bill Pay Insufficient Funds Fee |
$25.00 |
| Bill Pay Stop Payment Fee |
$20.00 |
| Cash Management Services (Business Accounts)* |
| Setup Fee |
$250.00 |
| Monthly Service Fee |
$ 30.00 |
| *Available upon approval |
Telebank Line 1-877-965-1116
No Monthly Charge
Money Market Advantage Account
Savings account with check writing privileges
Free check image or email statements
Maintain $1000 minimum balance or pay $10 per month
Withdrawal limitations may apply.
Checking Services
Maximum Advantage Savings Account
Convenient and easy funds transfers
Interest paid monthly-Statement Savings
3 withdrawals per month or $2.00 per withdrawal
Maintain $100 minimum or pay $3.00 per month
| Dormant Service Fee |
$10.00 per month |
(Account is dormant if not active for a period of one year. The fee will be added if account is dormant and has a balance of less than $100.00)
Withdrawal limitations may apply.
Other Service Fees
Checking Services
| Insufficient Funds:"Overdrafts" |
| Paid Item Fee |
$25.00 per item |
| Return Item Fee |
$25.00 per item |
| (Fee applies to overdrafts created by check, in-person withdrawals, ATM withdrawal, or other electronic means, as applicable.) |
| Overdrawn Accounts: (Negative Balance) |
$5.00 daily fee |
| (Accounts that are overdrawn in excess of 5 days or more will be charged a per day charge starting on day number 6 and thereafter until the overdraft is eliminated.) |
| (Account is dormant if not active for a period of six months. The fee will be added if account is dormant and has a balance less than $500.00) |
| Dormant Service Fee |
$10.00 per month |
| Stop Payment |
$15.00 per item |
| Printed Check Charge |
Price Varies with Check Style |
| ATM Withdrawals |
$1.00 per item-Foreign Transactions Only |
| ATM Card Replacement Charge |
$5.00 per card |
Bookkeeping Services
| Research |
$20.00 per hour, plus $1.00 per reproduction |
| Account Reconcilement |
$20.00 per item |
| Special Statement |
$5.00 per statement |
| Activity Statement |
$1.00 per statement |
Teller Services
| Cashier's Checks |
$5.00 per check |
Money Orders (available in our
Grayson County locations) |
$5.00 per money order |
Collection Services
| Coupon Collection |
$10.00 per envelope |
| Bond Redemption |
$15.00 per issue |
| Check Collection |
| Customer |
Charges as Incurred |
| Incoming |
$5.00 per check |
| Outgoing |
$10.00 per check |
| Attachments, Garnishments, & Levy |
$10.00 per item |
| Foreign currency exchange |
Charges As Incurred (customers only) |
Wire Services
| Customer |
| Incoming Wires |
No Charge |
| Outgoing Wires |
$10.00 per wire |
| International Wires |
$35.00 per wire |
| Non-Customers |
| Incoming Wires |
$10.00 per wire |
Night Deposit Services
| Lock Bags |
First Bag Free |
| Additional Bags |
$15.00 each |
| Replacement Keys |
$1.00 each |
| Zipper Bags |
First Bag Free |
| Additional Bags |
$5.00 each |
Safe Deposit Boxes
| 3 x 5 Boxes |
$15.00 Annually |
| 5 x 5 Boxes |
$20.00 Annually |
| 3 x 11 Boxes |
$25.00 Annually |
| 5 x 10 Boxes |
$30.00 Annually |
| 10 x 10 Boxes |
$60.00 Annually |
| Drilling & Replacement Lock |
$150.00 per Box |
| Replacing Keys |
$15.00 per Key |
Other Services
| Travelers Checks |
2% of Purchase |
| Notary Service |
$5.00 |
| Photocopies |
$.25 per copy |
Withdrawal Limitations
Money Market Advantage:
| Three (3) Withdrawals |
No Charge |
| After Third Withdrawal |
$5.00 per withdrawal |
We are required by law to limit the number or pre-authorized transfers of
funds from this account to a maximum of six per month. No more that
three of these pre-authorized transfers may be made by check, draft or
similar device (including telephone or Internet transfer) drawn by you
and payable to third parties. Telephone transfers and Online Transfers
you make from this account to another account in your name in the
institution will be included in the six permitted transfers.
Maximum Advantage Savings Account
We are required by law to limit the number or pre-authorized transfers
of funds from this account to a maximum of six per month. No more that
three of these pre-authorized transfers may be made by check, draft or
similar device (including telephone or Internet transfer) drawn by you
and payable to third parties. Telephone transfers and Online Transfers
you make from this account to another account in your name in the
institution will be included in the six permitted transfers.
Equal Housing Opportunity
We do Business in Accordance With the Fair Housing Act
(The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)
IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN
- In the sale or rental of housing or residential lots
- In advertising the sale or rental of housing
- In the financing of housing
- In the appraisal of housing
- In the provision of real estate brokerage services
- Blockbusing is also illegal
Anyone who feels he or she has been discriminated against should send a complaint to:
U.S. Dept. of Housing & Urban Development
Asst. Secretary for Fair Housing and Equal Opportunity,
Washington, DC 20410
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