Personal Savings Accounts

ACCESS SAVINGS ACCESS MONEY MARKET ACCESS YOUTH SAVINGS ACCESS ACCESSIBLE CD ACCESS CERTIFICATE OF DEPOSIT
MINIMUM AMOUNT TO OPEN $50 $2,500 $0 $1,000 $1,000
SERVICE FEE $5 per statement period*** $15 per statement period*** N/A N/A N/A
ACCOUNT DETAILS*
  • To avoid the $5 service charge per statement period***, the following requirements must be met:
    • Maintain a minimum $50 average daily balance
    • Setup up a minimum $25 automatic transfer per statement period*** from an AccessBank Texas Checking or Savings account to this Access Savings account
  • Unlimited deposits
  • Mailed statement option with a $2 service charge per statement period***
  • Up to six (6) non "in-person" withdrawals per month**** Additional non "in-person" withdrawals in that month will incur a $5 fee per debit
  • Unlimited "in-person" withdrawals****
  • To avoid the $15 service charge per statement period***, the following requirements must be met:
    • Maintain a minimum $2,500 average daily balance
    • Set up a minimum $100 automatic transfer per statement period*** from an AccessBank Texas Checking or Savings account to this Access Money Market account
  • Unlimited deposits
  • Mailed statement option with a $2 service charge per statement period***
  • Up to six (6) non "in-person" withdrawals per month**** Additional non "in-person" withdrawals in that month will incur a $5 fee per debit
  • Unlimited "in-person" withdrawals****
  • No minimum average daily balance required
  • Unlimited deposits
  • Mailed statement option with a $2 service charge per statement period***
  • This account is restricted to individuals 18 years of age or younger. For children too young to have a driver's license or shcool ID, this Access Youth Savings account may be opened with the child's social security card as the required form of identification
  • This account requires joint ownership of both the student and a qualifying adult
  • At age 18 years, the student's savings account converts to the Access savings account and applicable fees will apply unless AccessBank Texas is otherwise notified
  • Up to six (6) non "in-person" withdrawals per month**** Additional non "in-person" withdrawals in that month will incur a $5 fee per debit
  • Unlimited "in-person" withdrawals****
  • $1,000 minimum average daily balance requirement
  • 9 month term
  • Unlimited deposits
  • Convenient automatic renewal at maturity
  • Not IRA eligible
  • One withdrawal per statement period***;
  • Penalties may apply for additional withdrawals
  • $1,000 minimum average daily balance requirement
  • Convenient automatic renewal at maturity
  • A variety of terms available from 90 days to 60 months
  • Penalties may apply for early withdrawals
INTEREST** This is an interest bearing account Interest bearing account at a Tiered variable rate*****
  • $2,500 – $24,999.99
  • $25,000 – $49,999.99
  • $50,000+
This is an interest bearing account Competitive fixed rates. Interest payments will be paid monthly Competitive fixed rates. Interest payments will be paid monthly

*AccessBank Texas does not authorize overdrafts for ATM transactions and one-time debit card transactions unless requested by the account holder. Overdrafts are paid at AccessBank Texas' discretion. Insufficient fund fees apply to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means. **For rate information, go to www.accessbanktx.com and click on “Deposit rates.” Annual percentage yield may change after account opening. Fees may reduce earning. ***Statement period is equal to one earnings cycle. ****By Federal Law, savings and money market accounts are limited to a total of six (6) withdrawals per month. Repeated withdrawals exceeding the six (6) allowed per month may require AccessBank Texas to close the account and reopen it into a checking account that offers unlimited transfers. For more information on what is considered a withdrawal, refer to the Truth in Savings disclosure for accounts. *****Variable rate may change after the account is opened.

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