PERSONAL BANKING
Experience banking that's convenient and tailored to you.
We know that every stage of life brings new adventures, and your checking account should keep up. Our personal checking options are designed to fit your unique needs, whether you're starting your family, enjoying retirement, or anywhere in between.
DO WAY MORE
WITH YOUR CHECKING
See The Features
Built Into Your Account
ACCOUNT FEATURES
A Truly Intelligent Checking For You
*ID Anchor includes several free features. There are also upgraded features for an additional monthly fee.
Standard Features
- Integrated In Every Account Type
- 24/7 Digital Banking
- Digital Bill Pay
- Digital Wallet
- Secure eStatements
- Fraud & Security Protection
-
Secure Friends & Family Pay (P2P)
Securing Finances
- Built Into your Checking
- Spending Analysis
- Budget Tracker
- Cashflow Tracker
- Net Worth Dashboard
- Financial Goals
- Custom Alerts For Budgets
Financial Blueprint
Credit Tools
Identity Protect
Personal Info Protect
Subscription Manager
Student Loan Aid
Build Credit Rent
Debt Navigator
FREE CHECKING
Don't Settle For Fees
- $50 Minimum to open
- No Minimum Balance fees
- No Monthly Service Fee Charges
- Unlimited Transactions
- Personalized Banking Standard Feature
- TRCB Tool Kit Securing Your Financial Health
INTEREST ACCOUNTS
ACCOUNT BENEFITS
>Earn 3.04% APY on Daily Balances***
- >No Minimum Balance fees
- >Free Debit Card
>Unlimited Check Writing
>Personalized Banking Features
>TRCB Toolkit
QUALIFICATOINS
At Least 12 Point of Sale Debit Card Transactions
1 ACH ( Direct Deposit or Withdrawal)
$100 Minimum Deposit to Open Account
Enrolled in eStatements Via Online Banking
ACCOUNT BENEFITS
>Interest Bearing Account**
- No Minimum Balance fees
- >Unlimited Transactions
>Personalized Banking Features
>TRCB ToolKit
QUALIFICATOINS
$50 Minimum To Open Account
**$1000 balance Min. To Earn interest
DAILY BALANCE LEVELS TO OBTAIN INTEREST RATES
Tier 1 : $1,000 - $9,999.99
Tier 2 : $10,000 - $24,999.99
Tier 3 : $25,000 and up
ACCOUNT BENEFITS
>Interest Bearing Account*
- >No Minimum Balance fees
- >Unlimited Deposits
>Personalized Banking Features
>TRCB ToolKit
QUALIFICATOINS
$1000 Minimum To Open Account
*$1000 balance Min. To Earn interest
DAILY BALANCE LEVELS TO OBTAIN INTEREST RATES
Tier 1 : $1,000 - $4,999.99
Tier 2 : $5,000 - $24,999.99
Tier 2 : $25,000 - $99,999.99
Tier 3 : $100,000 and up
*** Tier 1 interest rate of 0.15% will be paid on only the portion of your daily balance that is $25,000.01 or more. The annual percentage yield (APY) for this tier will range from 3.04% to 0.15%, depending on the balance in the account. If conditions are not met the interest rate will be Tier 1 for the entire balance. APY = Annual Percentage Yield. APY's accurate as of February 6, 2023. The rate may change after the account is opened. Fees could reduce earnings. **Minimum daily balance of $1,000 to earn interest. *Minimum daily balance of $1,000 to earn interest.
SAVINGS MADE SIMPLE
Personal | Family | Youth
Whether you're building an emergency fund for life's surprises or laying the groundwork for your family's future, we're here to help you do it with confidence. Protect what you've built. Grow what you'll pass on.
>*$100 minimum to open
>N0 minimum daily balance
>Interest is compounded quarterly
*Available to individuals under 18 years of age with no minimum to open
DAILY BALANCE LEVELS TO OBTAIN INTEREST RATES
>Tier 1 : $0.01 - $999.99
>Tier 2 : $1,000 - $9,999.99
>Tier 3 : $10,000 and up
CURRENT CD RATES
| Term | APY* | Interest Rate | Min to Open |
|---|---|---|---|
| 3 Month | 2.02% | 2.00% | $1,000 |
| 6 Month | 3.77% | 3.72% | $1,000 |
| 7 Month | 4.01% | 3.95% | $1,000 |
| 12 Month | 3.62% | 3.57% | $1,000 |
| 13 Month | 3.91% | 3.85% | $1,000 |
| 18 Month | 1.36% | 1.35% | $1,000 |
| 24 Month | 3.20% | 3.16% | $1,000 |
| 25 Month | 3.85% | 3.80% | $1,000 |
| 36 Month | 2.50% | 2.48% | $1,000 |
| APY is accurate as of 8/21/2026 |
PERSONAL CREDIT CARDS
No annual fee.
Low introductory rate for the first six months.1
Competitive ongoing APR.1
25-day interest-free grace period on all purchases. No grace period on cash advances.
No annual fee.
Low introductory rate for the first six months.1
Competitive ongoing APR.1
25-day interest-free grace period on all purchases. No grace period on cash advances.
Redeem your rewards points for cash-back awards, retail gift cards, travel, and a wide variety of merchandise.
To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
24-hour toll-free live customer assistance available at 800-367-7576.
Online account information available 24/7 at www.cardaccount.net.
Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits.
Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
> Other fees may be charged; these fees are listed on the downloadable application.
>Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
> Fax your completed application to the Card Service Center at 877-809-9162.
> Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120