Imagine a personal checking account that pays you to do things that make your life easier! This is a free checking account that will pay you 5.01% APY on deposits of up to $100,000.00, plus it will refund all fees from any ATM nationwide. There are just 4 free and easy things we ask that you do each cycle:
| • | Receive secure statements online with check images |
| • | Have 15 Visa Check Card purchases post to your account |
| • | Make one ACH direct deposit or debit |
| • | Pay one bill through our free Internet Bank Bill Pay service. |
That’s easy enough, but what happens if you do not complete these transactions? You still get a free checking account that pays .25% APY on all balances, with a free VISA Check Card, free online banking and Bill Pay, and free in-network ATMs! Plus, you can try again next cycle to earn the premium rate.
Keep in mind that the qualifying transactions must post to your account during each qualification cycle; so, you may want to set up more than one bill payment and/or ACH……just to make sure!
Convenient – direct deposit and ACH drafts have been around for years, and how many times do you run to the store, the gas station, or go out to eat? Using your VISA Check card is so easy…... when you choose “credit” and you don’t even have to remember your PIN.
Smart – e-statements are more secure than receiving your statements in the mail.
Free – State National Bank of Texas does not charge a fee for any of these electronic services.
Easy – paying your bills on our free Internet Bank is just so much easier than writing out check after check……and cheaper when you consider envelopes and postage!
Contact one of our Personal Bankers today at any of our 7 convenient locations to open your Premium e-Checking Account!
Benefits:
| • | No minimum balance to avoid service charges. | |
| • | Unlimited check writing at no charge. | |
| • | No minimum balance to earn interest. | |
| • | When you meet the four free and easy requirements, you earn the following each cycle: | |
| • | Automatic refund all ATM fees Nationwide (excludes international ATM fees) | |
| • | 5.01% APY premium rate earned on balances up to $100,000.00 [4.90% interest rate] | |
| • | 1.01% APY premium rate earned on balances over $100,000.00 [1.00% interest rate] | |
| • | 0.25% APY standard rate earned on all balances when the four easy requirements are not completed [.25% interest rate] | |
Important Account Information for Our Customers
The minimum balance required to open this account is $100.00
Interest will be compounded and credited into the account monthly.
The interest rate and annual percentage yield may change at any time. State National Bank of Texas expects to maintain our premium rates for the long term; however, at our discretion, we may change the interest rate for this account.
Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
If you close your account before interest is paid, you will not receive the accrued interest.
You may make an unlimited number of deposits into your Premium e-Checking Account.
Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Each qualification cycle runs from the last statement cycle date to the business day prior to the current statement cycle date.
All Premium e-Checking accounts will have the 3rd Tuesday of each month as the statement cycle date.
This offer is subject to limitation, modification, or withdrawal without notice.
Receiving your monthly bank statements electronically is a requirement for this product. If you opt to receive paper statements for two consecutive months or longer, the Bank may convert your account to a N.O.W. Checking account.
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