User ID
 
 
 
 
Eagle Lake Banking Center
P.O. Box 247
100 Commerce St.
Eagle Lake, TX 77434
Ph: 979/234-5591
Fax: 979/234-5596
East Bernard Banking Center
P.O. Box 460
138 S. Dill St.
East Bernard, TX 77435
Ph: 979/335-9900
Fax: 979/335-9907
Columbus Banking Center
1001 Milam St.
Columbus, TX 78934
Ph: 979/732-2003
Fax: 979/732-2298
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The personal and business checking and savings accounts we offer are summarized below. For further terms and conditions see account agreement and disclosures.

To see our rates and yields, click here.

Personal Accounts

Freedom Checking

A basic, non-interest bearing checking account that must receive monthly statements by E-Mail. No other services are available with this account.

  • $100 to open

Gold Checking

A non-interest bearing account for customers age 62 or Older. Must have one Direct Deposit per month. Monthly statements with Images are mailed. Online Banking and Bill Pay are available with e-Statements.

  • $100 to open

Student Checking

A non-interest bearing account that must receive monthly statements by E-Mail. Online Banking and Bill Pay are available with e-Statements.

  • $50 to open

Budget Checking

A basic, non-interest bearing account that allows 6 check debits per month FREE then it will be $0.75 for each check in excess of six per month. Automatic debit transactions are unlimited. Monthly statements with Images are mailed. Online Banking and Bill Pay are available with e-Statements.

  • $100 to open
  • $4.00 Monthly Fee

Premium Checking

A non-interest bearing account without restrictions. Monthly statements with images are mailed. Online Banking and Bill Pay are available.

  • $100 to open
  • $10.00 Monthly Fee

Super Now Checking

A checking account that draws interest. Customers receive statements with images of checks and deposit slips included.

  • $1,500 to open
  • ATM card available
  • Account Service Charges: None if the account balance does not fall below $1,500.
  • If account falls below $1,500 - $10

Money Market Account

A savings type account with limited checking privileges, but unlimited withdrawals in person. Pays interest at a rate based upon the balance in the account. Customers receive statements with images of checks and deposit slips included.

  • 2,500 to open
  • ATM card available
  • Account Service Charges: $10 each statement period the minimum balance drops below $2,500.
  • Penalty charges: $10 for each excessive limited transaction (may be by check, draft, or other order payable to a third party.)

Savings

A "basic" savings account. Can set up automatic transfers from a checking account at First National or another bank for ease in accumulating further savings. Three withdrawals per quarter are allowed with no charge.

  • $200 to open
  • Monthly Fees: $5 per quarter if minimum balance falls below $200.
  • Penalty charges: $2 per withdrawal per quarter in excess of 3 withdrawals.

Business Accounts

Business Checking

A "regular" checking account for business purposes. Customers receive statements with images of checks and deposit slips included.

  • $100 to open
  • ATM card available
  • Monthly Fees: None if account balance does not fall below $800.
  • If account falls below $800 - $6
  • If below $700 - $7
  • If below $600 - $8

Super Now Business Checking

A checking account for proprietorship businesses that draws interest. Customers receive statements with images of checks and deposit slips included.

  • $1,500 to open
  • ATM card available
  • Account Service Charges: None if the account balance does not fall below $1,500.
  • If account falls below $1,500 - $10.
  • There is a 20 per item charge for more than 25 checks per month.

Money Market Business

A savings type account with limited checking privileges, but unlimited withdrawals in person. Pays interest at a rate based upon the balance in the account. Customers receive statements with images of checks and deposit slips included.

  • $2,500 to open
  • Account Service Charges: $10 each statement period the minimum balance drops below $2,500.
  • Penalty charges: $10 for each excessive limited transaction (may be by check, draft, or other order payable to a third party.)

Business Savings

A savings account for businesses. Can set up automatic transfers from a checking account at First National or another bank for ease in accumulating further savings. Three withdrawals per quarter are allowed with no charge.

  • $200 to open
  • Monthly Fee: $5 per quarter if minimum balance falls below $200.
  • Penalty charges: $2 per withdrawal per quarter in excess of 3 withdrawals.