What’s special about TCB checking accounts?
More options, better service. Whether you’re looking for zero fees, more rewards, or senior benefits, we have the right personal checking account to meet your unique needs. Our convenient deposit services make it easier to reorder checks and report your lost or stolen debit card, so you can carry on with life as usual, worry free.
Checking
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REWARD CHECKING
Perfect for spenders looking to maximize their checking, this account includes free reward checks for life.*
If you make frequent transactions and plan to pay bills and view statements online, this is the account for you. To qualify, simply make three online bill payments through TCB Online Banking and 12 non-ATM debit card transactions per month and switch to e-statements.
A base interest rate of 0.02% will be paid if requirements are not met per qualification cycle.** Tier-based interest is calculated on a daily collected balance. View rates.
Minimum Opening Deposit: $100
Minimum Balance: N/ABenefits
- Online Banking
- Bill Pay
- Surcharge refunds for any ATM withdrawal***
- Debit Card
- Check Imaging with e-Statement
- Reward checks for life*
- Higher yields with direct deposit (Reward Checking Plus)
- Tier-based interest
REWARD CHECKING PLUS
Upgrade to Reward Checking Plus to unlock even higher interest rates. Simply add direct deposit to your Reward Checking account to convert it into a Reward Checking Plus account.
* Reward checks available for free throughout the life of the Reward Checking or Reward Checking Plus account.
** Qualification cycle means a period beginning one day prior to the close of the current statement.
*** International Transaction Fees are not automated and will be refunded upon request. -
NOW CHECKING
For those regularly maintaining more than $1,500 in their checking, start earning more, now.
At Texas Citizens Bank, savings accounts aren’t the only ones that earn interest. Avoid maintenance fees while accruing interest with NOW Checking. Tier-based interest is calculated on a daily collected balance, paid monthly, and requires users to maintain a minimum account balance. View rates.
A minimum balance of $1,500 must be maintained in the account in order to maintain the disclosed annual percentage yield (APY). A monthly maintenance fee of $10 will be imposed every month if the balance of the account falls below $1,500 any day of the month.
Minimum Opening Deposit: $100
Minimum Balance: $1,500Benefits
- Online Banking
- Bill Pay
- Surcharge refunds for any ATM withdrawal*
- Debit Card
- Check Imaging with e-Statement
- Opportunity to waive maintenance fee
- Interest if minimum balance is maintained
* International Transaction Fees are not automated and will be refunded upon request.
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FREE* CHECKING
As the name suggests, Free Checking includes no maintenance fee for simple, straight-forward personal banking.
Enjoy unlimited standard safety paper checks**, ATM withdrawals, Check Imaging, and Online Banking with Bill Pay.
Minimum Opening Deposit: $100
Minimum Balance: N/ABenefits
- Online Banking
- Bill Pay
- Surcharge refunds for any ATM withdrawal***
- Debit Card
- Check Imaging with e-Statements
- Standard safety checks for life**
- No maintenance fee
- No balance minimum
*The bank will assess fees for the following: overdrafts, insufficient items, online bill payments, stop payments, bank research account statement printout prior to the end of the statement cycle, accounts closed within the first 90 days of opening, account statement cycle, account statement faxed on customer’s request, cashier’s checks, money orders, collection items, returned item, special handling, processing statement holds, levies, garnishments, gift cards, paper statements in addition to electronic statements, multi-signature restrictions, statements scheduled on custom dates, person to person balance inquiries. See the bank’s “Schedule of Fees” for additional information related to fees.
** Standard checks available for free throughout the life of the Free Checking account.
*** International Transaction Fees are not automated and will be refunded upon request -
SEASONED CITIZENS
Available exclusively to customers 55+ years old, this account helps those preparing for retirement worry less.
Unlock more payment options and less fees with this premium checking account. Seasoned Citizens allows you to transfer money the way you want with complimentary cashier’s checks, Seasoned Citizens checks, money orders, and online Bill Pay.
Minimum Opening Deposit: $100
Balance Minimum: N/ABenefits
- Online Banking
- Bill Pay
- Surcharge refunds for any ATM withdrawal*
- Debit Card
- Check Imaging with statement
- Money orders
- Seasoned Citizens checks for life**
- No maintenance fee
- No balance minimum
* International Transaction Fees are not automated and will be refunded upon request.
** Seasoned Citizens checks available for free throughout the life of the Seasoned Citizens account.
Checking Services
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DEBIT CARD
Included with all checking accounts, the Texas Citizens Bank VISA Check Card is accepted by over 28 million merchants.
Wherever VISA or STAR is accepted, your card will be welcome. Gain quick access to checking and savings accounts using ATMs displaying the Pulse, Interlink, or Plus logo.
Benefits
- 24/7 account access at any Pulse, Interlink, or Plus ATM
- Detailed card transaction record with statement
- No finance charges or annual fees
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REPORTING LOST/STOLEN CARD
Report a lost or stolen card online, by phone, or in person at one of our branch locations.
Phone Service
800.544.8969 -
REORDER CHECKS
Running out of checks? Our quick partner portal makes reordering business and personal checks easy.
Simply locate your routing and transit number and click the button below to get started.
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FOREIGN CURRENCY
View international exchange rates and buy and sell money online in three easy steps through our secure Travelex portal.
This service is available to all Texas Citizens Bank customers.
- Select desired currency
- Choose delivery option
- Pay online