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Deposit

 

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Notice: For informational purposes only, contact your account representative for disclosures and fee schedules. 

  • Class Act Accounts

    • $100.00 minimum opening balance.

    • No monthly maintenance fee.

    • Unlimited check writing

    • Benefits

      • Visa Check Card

      • Direct Deposit

      • 24-Hour Telephone Banking

      • Online Banking

      • Free Notary Service

     

  • Personal Checking Account

    • $100.00 minimum to open this account.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements

      • A maintenance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the monthly statement cycle.

      • A maintenance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the monthly statement cycle.

      • A maintenance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the monthly statement cycle.

      • A maintenance fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $400.00 any day of the monthly statement cycle.

      • A maintenance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the monthly statement cycle.

      • A transaction fee of 0.15 will be imposed for each debit in excess of 20 transactions (withdrawal, check paid, automatic transfer or payment out of your account) if the balance in the account falls below $500.00 any day of the monthly statement cycle.

    • Benefits

      • Visa Check Card

      • Image Statements

      • Direct Deposit

      • 24-Hour Telephone Banking

      • Online Banking

      • Free Notary Service

  • Fifty Plus Account

    • $100.00 minimum opening balance.

    • No monthly maintenance fee.

    • Unlimited check writing.

    • Minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
      Call the bank at (254) 755-6555 for Interest Rate and APY information.

    • Compounding and crediting is monthly.

    • Balance computation method is daily balance.

    • Benefits

      • Visa Check Card

      • Free notary service

      • Direct Deposit

      • 24-hour Telephone Banking

      • Online Banking

      • Free single bank stock checks

      • Image Statements

  • NOW Account

    • $1,500.00 minimum opening balance.

    • Minimum balance of $1500.00 in the account each day to obtain the disclosed annual percentage. Call the bank at (254) 755-6555 for Interest Rate and APY Information.

    • Compounding and crediting is monthly.

    • Balance computation method is daily balance.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements:

      • A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the monthly statement cycle.

      • A transaction fee of $0.15 will be imposed for each debit in excess of 20 transactions (withdrawal, check paid, automatic transfer or payment out of your account) if the balance in the account falls below $1500.00 any day of the monthly statement cycle.

    • Benefits

      • Visa Check Card

      • Image Statements

      • Direct Deposit

      • 24-Hour Telephone Banking

      • Online Banking

      • Free Notary Service

  • Small Business Checking Account

    • $100.00 Minimum opening balance.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements:

      • A maintenance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the monthly statement cycle.

      • A transaction fee of 0.15 will be imposed for each item deposited in excess of 150 per the monthly statement cycle regardless of balance.

      • A transaction fee of 0.15 will be imposed for each debit in excess of 50 transactions (withdrawal, check paid, automatic transfer or payment out of your account) per the monthly statement cycle regardless of balance.

    • Benefits

      • Free notary service

      • 24-hour Telephone Banking

      • Online Banking

      • Night Deposit

  • Commercial Checking Analysis Account

    • $300.00 minimum opening balance

    • A maintenance fee of $10.00 will be imposed every monthly statement cycle.

    • A transaction fee of 0.08 will be imposed for each item deposited per the monthly statement cycle.

    • A transaction fee of 0.30 will be imposed for each credit deposited per the monthly statement cycle.

    • A transaction fee of 0.15 will be imposed for each debit (withdrawal, check paid, automatic transfer or payment out of your account) per the monthly statement cycle.

    • This account features an earnings credit which is applied to reduce or eliminate fees on this account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit. The earnings credit will be calculated by applying the periodic earnings credit rate to the daily investable balance in the account for the period. At our discretion, the periodic earnings credit rate may change at any time. The investable balance is the daily balance reduced by 10% for reserve requirements.

    • Benefits

      • Free notary service

      • 24-hour Telephone Banking

      • Online Banking

      • Night Deposit

  Savings Products

 

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Notice: For informational purposes only, contact your account representative for disclosures and fee schedules.

  • Money Market Account

    • $2,500.00 minimum opening balance.

    • Minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Call the bank at (254) 755-6555 for Interest Rate and APY Information.

    • Compounding and crediting is monthly.

    • Balance computation method is daily balance.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements:

      • A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the monthly statement cycle.

      • Account transfers are limited to 6 per monthly statement cycle.

      • $10.00 excessive transaction fee for every debit in excess of 3 per monthly statement cycle.

    • Benefits

      • Direct Deposit

      • 24-hour Telephone Banking

      • Online Banking

      • Free Notary Service

      • Night Deposit

  • Advantage Account

    • $10,000.00 minimum opening balance.

    • Minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Call the bank at (254) 755-6555 for Interest Rate and APY Information.

    • Compounding and crediting is monthly.

    • Balance computation method is daily balance.

    • The interest rate paid on this account is tiered based on the following daily account balances.

      • Tier 1-If your daily balance is $9,999.99 or less.

      • Tier 2-If your daily balance is $99,999.99 or less.

      • Tier 3-If your daily balance is $100,000.00 or more.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements

      • A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the monthly statement cycle.

      • Account transfers are limited to 6 per monthly statement cycle.

      • $10.00 excessive transaction fee for every debit in excess of 3 per monthly statement cycle.

    • Benefits

      • Direct Deposit

      • 24-hour Telephone Banking

      • Online Banking

      • Free Notary Service

      • Night Deposit

  • Business Savings Account

    • $100.00 minimum opening balance.

    • Minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Call the bank at (254) 755-6555 for Interest Rate and APY Information.

    • Compounding and crediting is quarterly.

    • Balance computation method is daily balance.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements

      • A maintenance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the quarterly statement cycle.

      • Account transfers are limited to 6 per statement cycle.

      • $3.00 excessive transaction fee for every debit in excess of 3 during a month.

    • Benefits

      • Direct Deposit

      • 24-hour Telephone Banking

      • Online Banking

      • Free Notary Service

      • Night Deposit

  • Savings Account

    • $100.00 minimum opening balance.

    • Minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Call the bank at (254) 755-6555 for Interest Rate and APY Information.

    • Compounding and crediting is quarterly.

    • Balance computation method is daily balance.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements

      • A maintenance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the quarterly statement cycle.

      • Account transfers are limited to 6 per statement cycle.

      • $3.00 excessive transaction fee for every debit in excess of 3 during a month.

    • Benefits

      • Direct Deposit

      • 24-hour Telephone Banking

      • Online Banking

      • Free Notary Service

      • Night Deposit

  • Minor Savings Account

    • $25.00 minimum opening balance.

    • Minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Call the bank at (254) 755-6555 for Interest Rate and APY Information.

    • Compounding and crediting is quarterly.

    • Balance computation method is daily balance.

    • To avoid the imposition of the maintenance fee you must meet the following requirements:

    • Minimum Balance Requirements

      • Account transfers are limited to 6 per statement cycle.

      • $3.00 excessive transaction fee for every debit in excess of 3 during a month.

    • Benefits

      • 24-hour Telephone Banking

      • Online Banking

      • Free Notary Service

      • Night Deposit

  Online banking

 

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Online Banking is available for:

  • Personal Accounts

  • Business Accounts

  • Bill Pay available for a nominal fee

  CD Products

 

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Notice: For informational purposes only, contact your account representative for disclosures and fee schedules.

  • $1000.00 minimum opening balance.
  • Maturity terms 1 month to 5 years.
  • Minimum balance of $.01 in the account each day to obtain the disclosed annual percentage. Call the bank at (254) 755-6555 for Interest Rate and APY Information.
  • Balance computation method is daily balance.
  • Interest payment frequency is monthly or quarterly.
  • Interest payment method added back to CD, by check or deposited to FBOT Account.
  • Early withdrawal penalty 30 days of interest on amount withdrawn for maturity term of less than one year or 91 days of interest on amount withdrawn for maturity term of one year or more.
  IRA

 

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Notice: For informational purposes only, contact your account representative for disclosures and fee schedules.

  • Traditional IRA

  • Roth IRA

  Patriot Act

 

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The USA Patriot Act requires us to collect, verify, and retain your name, address, date of birth, and other information. We are verifying the information to protect our banking system from abuse. Please help us by having identification like a driver's license or other government issued photo identification available. Your cooperation is greatly appreciated. Fidelity Bank of Texas assures you that your information will remain private and confidential (9/12/03).

 

*For every Non-Corporate Commercial Account, an assumed name certificate and a resolution is needed.

*Only a Sole Proprietorship may have a Visa Check Card.

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