Banking Accounts

Personal Accounts

Below are the Personal Accounts offered at Zavala County Bank

Regular Checking:

• Minimum Deposit to Open: $100.00
  
• Special Features:
  Unlimited Check Writing
  Image Statement
  FREE Internet Banking Access
  FREE Voice Response Access
  FREE Debit Card
• To Avoid Service Charge: $900.00 Minimum Daily Balance is required
• Service Charge: $12.00 if your balance is less than $900.00 on any day during the statement cycle
• Interest: N/A

Budget Checking:

• Minimum Deposit to Open: $100.00
  
• Special Features:
  Image Statement
  FREE Internet Banking Access
  FREE Voice Response Access
• To Avoid Service Charge: N/A
• Service Charge: $5.00 quarterly service charge per item fee is $0.20 on each debit or credit transaction posted
• Interest: N/A

Interest Checking:

• Minimum Deposit to Open: $1,500.00
• Special Features:
  Interest Compounded and Credited Monthly
  Interest Calculated on Daily Balance
  Unlimited Check Writing
  Image Statement
  FREE Internet Banking Access
  FREE Voice Response Access
  FREE Debit Card
• To Avoid Service Charge: $1,500.00 Minimum Daily Balance
• Service Charge: $15.00 if your balance is less than $1,500.00 on any day during the statement cycle
• Interest: Interest Rate May Vary – Available on Request

Savings:

• Minimum Deposit to Open: $100.00
• Special Features:
  Interest Compounded and Credited Quarterly
  Interest Calculated on Daily Balance
  FREE Internet Banking Access
  FREE Voice Response Access
  6 free Withdrawals per Quarter ($2.00 Withdrawal Fee in Excess of 6 per quarter)
• To Avoid Service Charge: $100.00 Minimum Daily Balance
• Service Charge: $6.00 service charge if your balance falls below $100.00 on any day of statement cycle
• Interest: Interest Rate May Vary – Available on Request

Money Market:

• Minimum Deposit to Open: $2,500.00
• Special Features:
  Interest Compounded and Credited Monthly
  Interest Calculated on Daily Balance
  Image Statement
  FREE Internet Banking Access
  FREE Voice Response Access
  3 free Withdrawals per Month ($5.00 Withdrawal Fee in Excess of 3 per statement cycle)
• To Avoid Service Charge: $2,500.00 Minimum Daily Balance
• Service Charge: $15.00 if your balance is less than $2,500.00 on any day during the statement cycle
• Interest: Interest Rate May Vary – Available on Request

Certificates of Deposits:

• Minimum Deposit to Open: $1,000.00*
• Special Features:
  3 month, 6 month, 12 month, or 24 month maturities available
  Automatic Renewal Option is Available
  Interest Payment Options (check, checking or savings)
  FREE Internet Banking
  FREE Voice Response Access
• To Avoid Service Charge: N/A
• Service Charge: N/A
• Interest: Interest Rate May Vary – Available on Request
• Early Withdrawal Penalty May Apply

Individual Retirement Accounts:

• Minimum Deposit to Open: $1,000.00
• Special Features:
  6 month, 12 month, or 24 month maturities available
  Fixed Rate
  Automatically Renewable
  Interest Compounded Quarterly
  FREE Internet Banking
  FREE Voice Response Access
• To Avoid Service Charge: N/A
• Service Charge: N/A
• Interest: Interest Rate May Vary – Available on Request
• Early Withdrawal Penalty May Apply

Commercial Accounts

Below are Commercial Accounts that we offer at Zavala County Bank

Commercial Checking:

• Minimum Deposit to Open: $100.00
• Special Features:
  Image Statement
  FREE Internet Banking Access
  FREE Voice Response Access
  $0.10 earnings credit for each $100.00 of the lowest balance
• To Avoid Service Charge: Maintaining a balance sufficient for earning credit to offset fees
• Service Charge: $12.00 Maintenance Fee per statement cycle $0.20 transaction fee will be charged for each debit and credit transaction
• Interest: N/A

Commercial Savings:

• Minimum Deposit to Open: $100.00
• Special Features:
  Interest Compounded and Credited Quarterly
  Interest Calculated on Daily Balance
  FREE Internet Banking Access
  FREE Voice Response Access
  6 free Withdrawals per Quarter ($2.00 Withdrawal Fee in Excess of 6 per quarter)
• To Avoid Service Charge: $100.00 Minimum Daily Balance
• Service Charge: $6.00 if your balance is less than $100.00 on any day during the statement cycle
• Interest: Interest Rate May Vary – Available on Request

Commercial Money Market:

• Minimum Deposit to Open: $2,500.00
• Special Features:
  Interest Compounded and Credited Monthly
  Interest Calculated on Daily Balance
  Image Statement
  FREE Internet Banking Access
  FREE Voice Response Access
  3 FREE Withdrawals per Month ($5.00 Withdrawal Fee in Excess of 3 per statement cycle)
• To Avoid Service Charge: $2,500.00 Minimum Daily Balance
• Service Charge: $15.00 if your balance is less than $2,500.00 on any day during the statement cycle
• Interest: Interest Rate May Vary – Available on Request