Online Banking

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Services and Accounts

Please find a list of our services and accounts.  If something isn’t listed that you are looking for, please give us a call at (903) 568-4211 and we will be happy to assist you.  

Services:

  • Checking, Savings and Money Market Accounts
  • Certificate of Deposit
  • Individual Retirement Accounts
  • Direct Deposit
  • Wire Transfer
  • ACH Processing
  • 24 Hour Access: Telephone & Internet Banking
  • Competitive Consumer, Real Estate, and Commercial Loan Rates
  • Safe Deposit Boxes
  • PayLinks Bill Payment
  • Money Orders
  • Debit Card
  • Competitive Rates

 

Accounts:

Minimum BalanceOnline BankingService Charge


Regular Checking

Minimum Balance


$100

Online Banking


Service Charge


$9 if the daily balance falls below $600 during the statement cycle.


Senior Citizen Checking

Minimum Balance


$100

Online Banking


Service Charge


$3 if the daily balance falls below $600 and an excess of 15 debits have cleared the account during the statement cycle.


Commercial Checking

Minimum Balance


$200

Online Banking


Service Charge


$15 if the daily balance falls below $2500 plus a $.10 per check charge will be imposed on every check written during the statement cycle. Maximum $25 service charge per statement cycle.


Economy Checking

Minimum Balance


$100

Online Banking


Service Charge


$4.50 if the daily balance falls below $300 during the statement cycle. The service charge is waived if you are a student. Images are not returned with the statement.


NOW Account

Minimum Balance


$2,000

Online Banking


Service Charge


$9 if the daily balance falls below $2000 during the statement cycle. Interest Bearing Account.


Money Market Checking

Minimum Balance


$2,500

Online Banking


Service Charge


$9 if the daily balance falls below $2500 during the statement cycle. An excessive item charge of $10 will be charged for each debit transaction in excess of six during a statement cycle. Interest Bearing Account.


Regular Savings

Minimum Balance


$100

Online Banking


Service Charge


$6 if the daily balance falls below $100 during the statement cycle. An excessive item charge of $3 will be charged for each debit in excess of six during the quarterly statement cycle. Interest Bearing Account.