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Personal Checking Account

Minimum to open $100.00
BALANCE MAINTENANCE FEE
Over $500.00 No Charge
$400.00-$499.00 $3.00
$300.00-$399.00 $4.00
$0-$299.00 $6.00
Senior Citizens (Over 65) No Charge

 

Timeless Checking Account

Minimum to open $100.00
Regular Plan $7.00
Plus Plan $9.00
Senior Regular Plan $4.00
Senior Plus Plan $5.00

Additional benefits provided with these account. Please call account representative for more details 830-796-3711.

 

Commercial Checking Account

Minimum to open $100.00
BALANCE MAINTENANCE FEE
Over $600.00 No Charge
$599.00 or under $5.00

 

Interest Demand Account

Minimum to open $1,000.00
$1,000.00 minimum daily balance to obtain disclosed annual Percentage rate. Interest will be compounded every month. Call for current interest rate & annual percentage rate.
BALANCE MAINTENANCE FEE
Over $1,000.00 No Charge
Under $1,000.00 $15.00
Allowed six transfers per month with no more than three by check, draft, ATM point-of sale transactions or similar order to third parties.
$15.00 charge for each transaction in excess of those allowed.

 

NOW Account

Minimum to open $1,000.00
$1,000.00 minimum daily balance to obtain disclosed annual Percentage rate. Interest will be compounded every month. Call for current interest rate & annual percentage rate.
BALANCE MAINTENANCE FEE
Over $1,000.00 No Charge
Under $1,000.00 $10.00

 

Savings Account

Minimum To Open $50.00
$50.00 minimum daily balance to obtain disclosed annual Percentage rate. Interest will be compounded every quarter. Call for current interest rate & annual percentage rate.
2 free withdrawals per quarter .
Charge for each withdrawal thereafter $1.00
$1.00 per month maintenance fee if daily balance falls below $50.00. Transfers from a Savings account to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

 

Common Features

Nonsufficient funds (NSF) - each $20.00
Overdraft (OD) - each $20.00
Stop Payment - each $15.00
Stop Payment - ACH payments $15.00
Account research/Reconciliation $25.00/hour
Copies $0.25
Cashier's Checks $2.00
Traveler's Checks 1 percent (1%)
Wire Transfers $15.00
Fax Fee $1.00 Per Sheet
Check Cashing Fee (Non-Customers) $2.00
Balance Inquiry $1.00
Check Printing (fee depends on style of check ordered)
Deposited checks (and other items) returned unpaid $3.00
Account closed within 90 days of opening $2.00
Transfer of funds (interbank accounts) $2.00
Replace Debit Card or PIN $5.00
Collection Customer/Non-Customer $5.00/$10.00 plus external bank charges

 

ATM Charges

Bandera Bank Customers
No Charge at bank location
Possible charges at all other ATM Locations

 

Safe Deposit Boxes

Annual rates vary according to size
For Example:
3x5 $20.00
5x10 $50.00
10x10 $75.00