Checking

Non-Interest Bearing Accounts
	Free Checking	Regular Checking	Student Checking	Golden Eagle	Senior Checking	Commercial Checking
Minimum Opening Balance	$25.00	$100.00	$100.00	$100.00	$100.00	$100.00
Minimum Monthly Balance	None	$500.00	$500.00	None	None	$1,500.00
ATM/Debit Card	Yes	Yes	Yes	Yes	Yes	Yes
Netteller Online Banking* *Bill Pay optional. Contact New Accounts for more details.	Yes	Yes	Yes	Yes	Yes	Yes
EXPRESS Phone Banking	Yes	Yes	Yes	Yes	Yes	Yes
Transaction Limitations	None	None	None	None	None	None
Direct Deposit	Yes	Yes	Yes	Yes	Yes	Yes
Check Images with Monthly Statement	No	Yes	Yes	Yes	Yes	Yes
Accidental Death Insurance	No	No	No	Yes* *Insurance varies by plan. Contact New accounts for more details.	No	No
Please contact our New Accounts Department for more information on these accounts. (903) 882-5581
Interest Bearing Accounts
	NOW Checking	Tiered Money Management Account			Money Management Tiers
Minimum Opening Balance	$1,500.00	$2,500.00			$2,500.00 - $19,999.99
Minimum Monthly Balance	$1,500.00	$2,500.00			$20,000.00 - $49,999.99
ATM/Debit Card	Yes	Yes*    *ATM card only.			$50,000.00 - $99,999.99
Netteller Online Banking* *Bill Pay optional. Contact New Accounts for more details.	Yes	Yes*    *Netteller Only.			$100,000.00 - $249,999.99
EXPRESS Phone Banking	Yes	Yes			$250,000.00 - $499,999.99
Transaction Limitations	None	Transactions from this account limited to six per statement cycle, with no more than three by check, draft, or similar order to third parties. Contact New Accounts for more information.			$500,000.00 and above
Direct Deposit	Yes	Yes		The Annual Percentage Rates for NOW Accounts and Money Management Accounts are variable and subject to change based on the current market rate of interest. Please contact our New Accounts Department for current Money Management and NOW account Annual Percentage Rates. (903)882-5581.
Check Images with Monthly Statement	Yes	Yes