PERSONAL SAVINGS

Texas Exchange Bank offers a variety of savings account options. Enjoy convenient account access with FREE Online Banking and FREE 24-Hour Voice Response Banking. Our friendly New Account Representatives will assist you in selecting the best accounts to suit your needs.

STATEMENT SAVINGS

A convenient and accessible way to save money, our statement savings works well on its own or linked to your Texas Exchange Bank ATM card or MasterCard® Debit card*

Minimum Opening Balance - $100.00
No service fee with minimum daily balance of $100.00; $2.00 charge will apply for the month, if minimum balance is not maintained
Maintain only $100.00 daily balance to earn interest
One withdrawal per month, $3.00 for each withdrawal over one
Interest earnings - Compounded quarterly and will be credited to your account quarterly
FREE Online Banking
FREE 24-Hour Voice Response Banking
Quarterly Statements**

*MasterCard® Debit card available only when combined with an eligible Checking Account.
** Monthly with EFT activity

MONEY MARKET ACCOUNT

Our money market account provides a higher yield alternative to our savings account with the convenience of checks.

Minimum opening balance - $2,500.00
Maintain $2,500.00 daily balance to earn interest
Interest earnings - Compounded monthly and will be credited to your account monthly
No service fee with minimum daily balance of $2,500.00; $10.00 charge will apply for the month, if minimum balance is not maintained
Withdrawals - Limited to six(6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party
Six debit transactions allowed per month. Additional debits are $10.00 each
FREE Online Banking
FREE 24-Hour Voice Response Banking

PREMIUM MONEY MARKET

Your high yield money market account provides interest rate tiers, to maximize your return - the larger your balance, the higher the rate you receive on your funds.

Minimum Opening Balance - $50,000.00
Maintain $2,500.00 daily balance to earn interest
Interest Earnings - Compounded monthly and will be credited to your account monthly
No service fee with minimum daily balance of $50,000.00; $15.00 charge will apply for the month, if minimum balance is not maintained
Withdrawals - Limited to six(6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party
Six debit transactions allowed per month. Additional debits are $10.00 each
FREE Online Banking
FREE 24-Hour Voice Response Banking

CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT

Your Texas Exchange Bank Certificate of Deposit offers a guaranteed, higher interest rate with terms from 30 days to 5 years, that can also be used for your IRA investment. The interest rate and annual percentage yield will not change for the term of the account.

Competitive Interest Rates
Minimum opening balance as low as $1,000.00, depending on term
Terms from 30 days to 5 years
Traditional and ROTH IRA plans available
Choose the earnings distribution method that best suits your needs:
- Add back to principal,
- Earnings check, or
- Direct deposit into your Texas Exchange Bank checking, savings or money market account.

INDIVIDUAL RETIREMENT SAVINGS ACCOUNTS

Competitive Interest Rates
Minimum opening balance as low as $500.00, depending on term
12 month term
ROTH IRA accounts available
No management fees
Contributions may be tax-deductible (Check with your financial advisor)
Allows deposits for as little as $25.00 per week

Penalty for Early Withdrawal on CD and IRA accounts may apply.

The interest rate and annual percentage yield may change, at our discretion, at anytime. Please see Rates tab, at left, for our current rate offerings.

Refer to account terms and disclosures for further information and limitations ON ALL PERSONAL ACCOUNTS – please contact a New Accounts Representative for this document.

Federal Deposit Insurance Corporation (FDIC)

To obtain information on deposit insurance coverage and the level of protection that the insurance affords, please refer to the website address provided below:
http://www.fdic.gov