Services
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
|
| 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.
| 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
|
|
