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 Balance | APY* |
< $25,000 | 0.40% |
≥ $25,000 | 0.10% |
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 Balance | APY* |
< $25,000 | 0.85% |
≥ $25,000 | 0.10% |
Now Checking
Minimum Balance | APY* |
< $1,500 | 0.00% |
≥ $1,500 | 0.10% |
Savings
Fees could reduce earnings. Rates subject to change.
BizReward Money Fund
Minimum Balance | APY* |
< $2,500 | 0.00% |
$2,500–$24,999.99 | 0.10% |
$25,000–$99,999.99 | 0.15% |
$100,000–$249,999.99 | 0.20% |
≥250,000 | 0.30% |
Money Market
Minimum Balance | APY* |
< $2,500 | 0.00% |
$2,500–$24,999.99 | 0.10% |
$25,000–$99,999.99 | 0.15% |
$100,000–$249,999.99 | 0.20% |
≥ $250,000 | 0.30% |
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 Balance | APY* |
<$25,000 | 0.10% |
$25,000–$74,999.99 | 0.10% |
$75,000–$249,999.99 | 0.20% |
$250,000–$749,999.99 | 0.30% |
≥$750,000 | 0.40% |
IRA Savings
Minimum Balance | APY* |
< $2,500 | 0.10% |
$2,500–$24,999.99 | 0.10% |
$25,000–$99,999.99 | 0.15% |
$100,000–$249,999.99 | 0.20% |
≥ $250,000 | 0.30% |
Savings Account
Minimum Balance | APY* |
N/A | 0.10% |
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)
Term | APY* |
3 months | 0.05% |
6 months | 0.15% |
9 months | 0.20% |
12 months | 0.25% |
18 months | 0.30% |
24 months | 0.35% |
36 months | 0.40% |
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%
Term | APY* |
20 months | 0.22%** |
** 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.
Term | APY* |
3 months | 0.10% |
6 months | 0.20% |
9 months | 0.25% |
12 months | 0.30% |
18 months | 0.35% |
24 months | 0.40% |
36 months | 0.45% |
FEES
Action | Fee |
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) | |
    Auto | Free |
    In Person | 3 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 Bag | No charge |
    Coin Deposit Mixed Bag | No charge |
    Box Coin Wrappers | $3 + cost |
Collection (per item) | $20 |
Currency Bags
| |
    Coin Bag | $2.50 |
    Money Bag | First bag free, $5 for each additional |
Deposit Correction | No 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 Check | First 4 free, $0.25 for each additional |
Transfer of Funds | |
    Auto System | Free |
    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.