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American National Bank of Texas

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CHECKING ACCOUNT TYPES

Free eChecking

MyChoice Checking

DirectPlus Checking

Premium Checking

No Overdraft Fee Banking

Account Description
Best for customers who...

Prefer the security and convenience of monthly eStatements with no minimum balance, as well as access to paying bills, making transfers and monitoring transactions online or through online banking.

Enjoy both traditional and electronic banking and use a combination of banking services. They also value receiving a monthly paper statement.

Prefer traditional banking with no minimum balance required. They are 55 years of age or older, or may use monthly direct deposit.

Value being rewarded for maintaining multiple accounts with higher balances with the opportunity to access increasing interest rates. Convenience products are important as they are used for transferring funds and paying bills.

Would consider using a prepaid debit card to avoid unplanned fees or who would prefer paying a set monthly service fee. They do not wish to have overdraft protection and would like to adhere to a set budget.

Minimum Opening Requirement $50.00$50.00$50.00$50.00$50.00
Monthly Service Fee$0.00$4.95$2.95$15.00$14.95
Avoid Monthly Service Fee N/ANo eStatement Enrollment 

Maintain Daily Balance of $1,500.00 or Average Ledger Balance of Combined Accounts greater than $15,000.00

No 
Features
Mobile BankingYesYesYesYesYes
Online Banking with BillPayYesYesYesYesYes
MoneyHDYesYesYesYesYes
Debit CardYesYesYesYesRequired 
InterestNoNoNo

Daily collected balance of $5,000.00 or more

No
Checks Allowed YesYesYes (1 free box annually) Yes (2 free boxes annually) No
Bank Statements 
eStatement


Paper statement


Paper or eStatement


Paper or eStatement


eStatement

*paper statement upon request


Free eChecking

Account Description

Best for customers who . . .

Prefer the security and convenience of monthly eStatements with no minimum balance, as well as access to paying bills, making transfers and monitoring transactions online or through online banking.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$0.00

Avoid Monthly Service Fee

N/A

Avoid Monthly Service Fee

N/A

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

No

Checks Allowed

Yes

Bank Statements

eStatement

Learn More

MyChoice Checking

Account Description

Best for customers who . . .

Enjoy both traditional and electronic banking and use a combination of banking services. They also value receiving a monthly paper statement.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$4.95

Avoid Monthly Service Fee

No

Avoid Monthly Service Fee

No

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

No

Checks Allowed

Yes

Bank Statements

Paper Statement

Learn More

DirectPlus Checking

Account Description

Best for customers who . . .

Prefer traditional banking with no minimum balance required. They are 55 years of age or older, or may use monthly direct deposit.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$2.95

Avoid Monthly Service Fee

eStatement Enrollment

Avoid Monthly Service Fee

eStatement Enrollment

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

No

Checks Allowed

Yes (1 free box annually)

Bank Statements

Paper or eStatement

Learn More

Premium Checking

Account Description

Best for customers who . . .

Value being rewarded for maintaining multiple accounts with higher balances with the opportunity to access increasing interest rates. Convenience products are important as they are used for transferring funds and paying bills.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$15.00

Avoid Monthly Service Fee

Maintain Daily Balance of $1,500.00 or Average Ledger Balance of Combined Accounts greater than $15,000.00

Avoid Monthly Service Fee

Maintain Daily Balance of $1,500.00 or Average Ledger Balance of Combined Accounts greater than $15,000.00

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

Daily collected balance of $5,000.00 or more

Checks Allowed

Yes (2 free boxes annually)

Bank Statements

Paper or eStatement

Learn More

No Overdraft Fee Banking

Account Description

Best for customers who . . .

Would consider using a prepaid debit card to avoid unplanned fees or who would prefer paying a set monthly service fee. They do not wish to have overdraft protection and would like to adhere to a set budget.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$14.95

Avoid Monthly Service Fee

No

Avoid Monthly Service Fee

No

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Required

Interest

No

Checks Allowed

No

Bank Statements

eStatement
*paper statement upon request

Learn More
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