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- Free online and mobile banking
- Debit card access
- Optional overdraft services
- $6.00 inactivity fee if checking account balance is less than $100 for 90 days or longer
- Minimum opening deposit of $50
Personal Checking
Find an account that fits the bill. And is tailored for personal finances. Help Me DecideChoose from a variety of checking options––from Free eChecking to our Premium Checking––designed for your lifestyle and preferences. And with every ANBTX account you’ll always get the personal financial service you expect from your local community bank. Prefer to bank from home or on-the-go? No problem. Our digital banking provides you with access anytime, anywhere with our free online and mobile tools.
Free eChecking | MyChoice Checking | DirectPlus Checking | Premium Checking | |
|---|---|---|---|---|
| Account Description and Features | ||||
| How does it work? | A simple account with no monthly service fees and the convenience and security of electronic statements. | A traditional account with a low monthly service fee (of $4.95) available for customers who prefer to receive paper statements | An account for customers who use monthly direct deposit or have reached 55 years of age. The monthly fee is waived by electing electronic statement enrollment. | An interest-bearing account for those who keep higher account balances or have multiple ANBTX bank relationships. Monthly fee is waived when minimum balance requirements are met. |
Requirements to open account | - | - | Maintain direct deposit OR be at least 55 years of age | - |
Statements | Electronic | Paper | Electronic or Paper | Electronic or Paper |
| Monthly service fee | $0 | $4.95 | $2.95 or $0 | $15.00 or $0 |
How to waive the monthly service fee | - | - | Electronic statement enrollment | $1,500 account daily balance OR $15,000 average ledger balance in combined deposit accounts |
Earns Interest | - | - | - | Yes - Interest is earned when the daily collected balance is $5,000 or more |
Free checks | - | - | 1 box per year | 2 boxes per year |
Enjoy these free digital features with every personal checking account. Access your accounts at your convenience, anytime and anywhere.
