Rates + Fees

Explore interest-earning deposit accounts in Greater Houston

Save more time and money with competitive yields on checking, savings, money market, and certificates of deposit accounts.

TCB savings and checking accounts include:

  • Surcharge refunds for any ATM withdrawal (International Transaction Fees are not automated and will be refunded upon request)
  • Attractive interest rates with most savings accounts
  • The ability to exchange currency and reorder checks through our secure partner portals

How Annual Percentage Yield Works

Annual Percentage Yield* (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding during a 365-day period.

Checking

Fees could reduce earnings. Rates subject to change.


Reward Checking

If the requirements for Reward Checking are not met, the annual percentage yield is 0.02%.
Minimum BalanceAPY*
< $25,0000.40%
≥ $25,0000.10%

Reward Checking Plus

Must have or, open and maintain, a Direct Deposit to a Texas Citizens Bank Personal Reward account. If the requirements for Reward Checking Plus are not met, the annual percentage yield is 0.02%.
Minimum BalanceAPY*
< $25,0000.85%
≥ $25,0000.10%

Now Checking

Minimum BalanceAPY*
< $1,5000.00%
≥ $1,5000.10%

Savings

Fees could reduce earnings. Rates subject to change.


BizReward Money Fund

Minimum BalanceAPY*
< $2,5000.00%
$2,500–$24,999.990.10%
$25,000–$99,999.990.15%
$100,000–$249,999.990.20%
≥250,0000.30%

Money Market

Minimum BalanceAPY*
< $2,5000.00%
$2,500–$24,999.990.10%
$25,000–$99,999.990.15%
$100,000–$249,999.990.20%
≥ $250,0000.30%

Premier Money Market

For new money only. Must maintain a direct deposit relationship at all times to qualify. Failure to comply will result in a reclassification to the Texas Citizens Bank Money Market account at the applicable rate at the time of the reclassification.
Minimum BalanceAPY*
<$25,0000.10%
$25,000–$74,999.990.10%
$75,000–$249,999.990.20%
$250,000–$749,999.990.30%
≥$750,0000.40%

IRA Savings

Minimum BalanceAPY*
< $2,5000.10%
$2,500–$24,999.990.10%
$25,000–$99,999.990.15%
$100,000–$249,999.990.20%
≥ $250,0000.30%

Savings Account

Minimum BalanceAPY*
N/A0.10%

Certificates of Deposit

The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. An early withdrawal penalty will be imposed for withdrawals before maturity. Rates subject to change.


Certificates of Deposit (≥$1,000)

TermAPY*
3 months0.05%
6 months0.15%
9 months0.20%
12 months0.25%
18 months0.30%
24 months0.35%
36 months0.40%

20-Month Variable Certificate of Deposit (≥ $1,000)

This CD adjusts to the effective federal funds rate as published by the Federal Reserve Bank of New York on the last Monday of Jan., April, July, Oct. plus 0.15%
TermAPY*
20 months0.22%**
** Subject to change. See description above for details.

Reward Certificates of Deposit (≥ $1,000)

Must have or open and maintain a direct deposit to a Texas Citizens Bank Personal Reward Account.
TermAPY*
3 months0.10%
6 months0.20%
9 months0.25%
12 months0.30%
18 months0.35%
24 months0.40%
36 months0.45%


FEES


ActionFee
Account Statement
Printout During Cycle (e-Statement is free)$4
Faxed $5
Paper Account Statement with imaged transactions 
 (in place of electronic statement)$1/month
Balance Inquiry (Checking and Savings)
     AutoFree
     In Person3 Free, $2 for each additional
Cashier’s Check
     Customer$10
     Non-Customer$20
Closed Account (within first 90 days)$25
Coin
     Currency Strap In/Out$0.50
     Rolled Coin In/Out$0.10
     Coin Deposit Sorted BagNo charge
     Coin Deposit Mixed BagNo charge
     Box Coin Wrappers$3 + cost
Collection (per item)$20
Currency Bags
     Coin Bag$2.50
     Money BagFirst bag free, $5 for each additional
Deposit CorrectionNo charge
Deposited Item Returned$5
     Special Handling$10
Garnishment/Writ$50 + legal fees
Gift Cards$5
Hold Statement$5
Overdraft Item*$35/item
Return Item Fee (non-sufficient funds)**$35/item
Levy$50
Money Order
     Customer$6
     Non-Customer$12
Night Deposit Bag$25
Notary Service
     Customer Free
     Non-Customer(per signature) $15
Online Banking Cash Management$35/month
     Automated Clearing House (ACH)
         Batch Originated$10/batch
         Item Originated$0.13/item
     Bill Pay Check Reproduction$10
     Bill Pay Research$30
     Bill Pay Stop Pay$25
     Electronic Funds Transfer Payment System (EFTPS)
         Items Originated$3/item
Research
     Per Hour$25 (1 hour minimum)
     Per Copy$1
Stop Payment
     Per Item$25
     Range$25
Temporary CheckFirst 4 free, $0.25 for each additional
Transfer of Funds
     Auto SystemFree
     Telephone$5
Wire Transfer
     Branch Banking Domestic Outgoing$20
     Branch Banking International Outgoing$20 + $45
     Online Banking Domestic Outgoing$15
     Online Banking International Outgoing$15 + $45
     Domestic/International Incoming$5
     Phone/Fax Notification$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 card transactions 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.

Mortgage Payment Calculator*

Balance time, interest, and monthly payments to see what financing works best for your goals. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Years:
Interest:
Loan Amount:
Monthly Principal Interest

Loan Payment Calculator*

Break down your loan to determine which payment options best fit your needs. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Principal:
Number of Payments:
Interest Rate:
Your Monthly Payment:

Savings Estimator*

Enter how much you can afford to save monthly to see how much that investment could benefit you later. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Total invested each month: (Ignore comma)
Number of months/years to acquire sum:
Interest rate on savings (%):
 
 

Debt Payoff Calculator*

Make goals to pay your debt off by a specific date. Use the calculator to plan out payments and set a timeline to become debt free. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

Enter your credit card balance:
Enter the credit card's interest rate:
Enter payment amount per month:
or
Enter desired months until debt free: