T Bank

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FDIC-Insured – Backed by the full faith and credit of the U.S. Government

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No ATM Fee Checking Accounts

With unlimited ATM rebates, no hidden charges, and free digital banking, our checking account puts your money where it belongs — back in your pocket.

TALK TO A BANKER
A smiling small business owner in her shop, a typical client for a T Bank free personal checking account.

Checking

$0/month

  • $25 to open.
  • No monthly service charge.
  • Free checks (for the first order of T Bank stock checks).
TALK TO A BANKER
A group of community volunteers, representing clients who use a T Bank NOW interest checking account.

NOW Checking

$10/month

  • $200 to open.
  • $10 monthly service fee waived with $1,500 minimum average collected balance for the statement cycle.
  • Interest paid monthly. Annual Percentage Yield (APY) and Interest rate subject to change. You must maintain a minimum average daily balance of $1,500 to obtain the disclosed annual percentage yield.
TALK TO A BANKER
Professionals in a modern office, the type of client who benefits from a Money Market checking account.

Money Market Checking

Pays competitive tiered interest rates

$10/month

  • $500 to open.
  • Monthly $10 service fee waived with $1,000 minimum average collected balance for the statement cycle.
  • Interest paid monthly. Annual Percentage Yield (APY) and Interest rate subject to change. You must maintain a minimum average daily balance of $2,500 to obtain the disclosed annual percentage yield.

Interest Rate Tiers

  • $2,500-$9,999.99
  • $10,000-$24,999.99
  • $25,000-$99,999.99
  • $100,000-$249,999.99
  • $250,000-$499,999.99
  • $500,000-$999,999.99
  • $1,000,000 and up
TALK TO A BANKER

Personal Banking
Made Simple

  • Free nationwide ATMs & mobile deposits
  • QuickBooks sync in two clicks
  • Human support—no bots

Compare Accounts

  • Checking
  • NOW Checking
  • Analysis Checking
  • Money Market Checking
CheckingNOW CheckingAnalysis CheckingMoney Market Checking
Features
No. of Transactions per monthUnlimitedUnlimitedUnlimitedRegulation D caps withdrawals from money market accounts at 6 per month/monthly statement
Mobile App
Online Account Management
Debit Cards and Controls
External Transfers
Mobile Deposit
Bill Pay
QuickBooks Integration
Permissions & Access Controls
Alert Preferences
Combined Company View
Cash Management ServicesSubject to credit approvalSubject to credit approvalSubject to credit approvalSubject to credit approval
Additional Features
Additional Features Options
Additional Features
Additional Features
Additional Features
Additional Features
Additional Features
Additional Features
Fees* & Interest
Minimum to open account$100$500
Monthly$12/month; waived with $1,000 average daily balance$10/month; waived with $5,000 average daily balance$10/month; waived with $5,000 average daily balance
InterestPaid monthly; rate and APY subject to change; a minimum average daily balance of $2,500 is required to earn the stated APY; see current rates for interest rate tiers
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We Prioritize the
Security of Your Personal Checking Account

Our advanced protection systems ensure the safety of your funds and the confidentiality of your information.

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Two-Factor

Two-factor authentication so only you and authorized users can access your account

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Encryption

Data encryption to keep your information safe

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Text Alerts

Text alerts if we notice any suspicious activity or debit transactions

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Insurance

FDIC insurance on Business Checking balances up to $250,000

Mobile Banking

Your finances at your fingertips, anytime.
Bank with T Bank whenever and wherever you want with the features you need for getting things done and security that helps give you peace of mind. The latest version of our Mobile Banking apps puts secure banking in the palm of your hand.

  • Mobile features when you need them most:
  • Check your balances and transfer money between accounts
  • Deposit checks using your mobile device
  • Get notified of account activity with mobile app alerts
  • Mobile Bill Pay
  • Securely send money
T Bank has mobile banking applications to meet almost any platform need, including the following:

Apple iOS / Android OS
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A woman using the T Bank mobile banking app on her phone to manage her Houston checking account.
A business professional using a laptop and phone to access T Bank's cash management services.

Cash Management Services*

T Bank offers a broad range of Cash Management Services to fit your business needs. We know companies need to manage their cash more carefully than ever. We can help you maximize the efficiency of your business cash flow.

  • Automated Clearing House (ACH) transfers
  • Wire Transfers, both Domestic and International
  • Remote Deposit Capture for quick check processing
  • Positive Pay for fraud prevention

* may be subject to credit approval

Ready to get started?

Open your Promo CD online now—or book a quick call for checking, savings, IRA CDs, or large-deposit coverage.

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