| Personal Banking:
|
Business Banking:
|
GOLD STAR CHECKING
Gold Star Checking is TexStar Bank's premier personal account package. Beginning with free access to cash at hundreds of ATMs throughout the state and region, Gold Star Checking customers receive a surprising array of benefits, including:
- Unlimited check writing
- Free access to cash at TexStar Bank and Frost Bank, Money Pass, and at Select ATMs
- Free ATM or MasterCard debit card
- Free AD&D Insurance
- Free Visa© Travelers Cheques
- Discounts on check orders
- Credit Card Registration
- Identity Watch-credit file monitoring
- Prescription drug discounts
- Discounts on eyewear and contact lenses
- Discounts on hotels/motels
- Interest Bearing Option
There are no monthly service charges if you maintain a minimum balance of $1,500 in your Gold Star Account. Or, if you maintain total household deposits of $50,000 or more in all of your checking, savings, money market, and time deposits combined, you will not be charged. If the balance falls below the minimum during the monthly statement cycle, you will be charged a fee of $10.00.
If you choose the interest bearing option, you will be paid interest on your collected balances. The minimum balance requirements above will apply, but the monthly service charge will be $15.00 if you do not maintain the required minimum balances. For complete information, ask your TexStar banker for a truth-in-savings disclosure. And there are special Gold Star Benefits for seniors aged 55 and over:
- One free Gold Star check order per year.
- Free small safe deposit box, subject to availability, or equivalent credit toward a larger box.
back to top
STAR CHECKING
Star Checking is a full-service personal account. This account features free access to cash at TexStar Bank ATMs and surcharge-free access to Frost Bank and Select ATMs locations. You may write as many checks as you wish, there is never a per-check charge. The account includes free ATM or MasterCard debit cards.
- Unlimited check writing
- Free ATM or MasterCard debit cards
- Surcharge-free access to cash a TexStar Bank, Frost Bank, Money Pass, and at Select ATMs
- Free access to cash at TexStar Bank ATMs
There are no monthly service charges if you maintain a minimum balance of $500 in your account. If the balance falls below the minimum, you will be charged a $7.50 monthly service charge. You will also be charged $1.25 for each withdrawal performed at a non-TexStar Bank ATM. There are no fees for debit card purchases and for cash-back transactions at retail stores. For complete account information, ask your TexStar banker for a truth-in-savings disclosure.
back to top
BUDGET STAR CHECKING
Budget Star is the simple, low-cost alternative for personal checking. You have unlimited monthly check writing privileges for one low monthly fee. With the TexStar Bank ATM advantage, you have free access to cash at any TexStar Bank ATM and surcharge free access to Frost Bank and Select ATMs.
- Unlimited check writing
- Surcharge-free access to cash a TexStar Bank, Frost Bank, Money Pass, and at Select ATMs
- Free access to cash at TexStar Bank ATMs
There is a $2.00 monthly service charge for this account regardless of the balance. There is a $5.00 one-time issuance fee for each ATM or MasterCard© debit card issued for this account. You will also be charged $1.25 for each withdrawal performed at a non-TexStar Bank ATM. There are no fees for debit card purchases and for cash-back transactions at retail stores. Cancelled checks will not be returned with the monthly account statement. For complete account information, ask your TexStar banker for a truth-in-savings disclosure.
back to top
PERSONAL SAVINGS ACCOUNT
Ask your TexStar banker how you can build your savings by automatically transferring money from your checking account on a schedule you choose.
- Earn interest on your savings
- Withdraw funds whenever they are needed with no early withdrawal penalty
- Transfer to checking or withdraw funds with your ATM card*
- Add to your savings at any time
There is a monthly service charge of $2.00 if your balance falls below $200. There is a fee of $2.00 for each debit item that exceeds 2 per month. For full information concerning interest rates and fees, just ask your TexStar banker for a truth-in-savings disclosure.
*A checking account must be the primary ATM account
back to top
MINOR SAVINGS ACCOUNT
You can open a minor savings account for as little as $25.
- Earn interest on your savings
- Withdraw funds whenever they are needed with no early withdrawal penalty
- No service charges until age 18
- Add to your savings at any time
There is a fee of $1.00 for each debit item that exceeds 2 per month. TexStar Bank waives monthly service charges on Minor Savings Accounts until the minor reaches age 18. An adult joint owner is required for all minor accounts. For full information concerning interest rates and fees, just ask your TexStar banker for a truth-in-savings disclosure.
back to top
MONEY MARKET SAVINGS
The tiered interest rate structure in the TexStar Bank Money Market Account means that your rate of earnings accelerate as your savings balances grow. This account pays a competitive rate of interest while maintaining free access to your funds. Check our our current interest rates on our Rates page.
- Tiered interest rates pay more on higher balances.
- Withdraw funds whenever they are needed with no early withdrawal penalty
- Transfer to checking or withdraw funds with your ATM card*
- Add to your balance at any time
- Checking privileges**
You must maintain a minimum balance of $2,500 to earn interest and to avoid monthly service charges. You will be charged $10 per month if the balance falls below the minimum. For full information concerning transaction limitations, interest rates and fees, just ask your TexStar banker for a truth-in-savings disclosure.
*A checking account must be the primary ATM account
**Transaction limitations apply
back to top
CERTIFICATES OF DEPOSIT
TexStar Bank offers Certificate of Deposits with the minimum deposit of as little as $1,000. Check out our current interest rates on our Rates page. Our CDs are insured by the FDIC for up to $100,000 per depositor, as are all our deposits.
back to top
MORTGAGES
Whether you are buying a home or need to refinance, TexStar Bank offers a mortgage option to fit your needs. We offer all types of mortgage, and provide the kind of responsive service to speed you from application to approval to closing.
back to top
PERSONAL LOANS
TexStar Bank provides loans for a variety of personal, family, and household purposes. Call us, or come by to visit with a friendly TexStar Bank loan officer.
back to top
BUSINESS ADVANTAGE ACCOUNT
Credit earned on funds kept on deposit defray the cost of services provided. You receive a monthly analysis which itemizes all account services provided and provides helpful cash management information. Call or come by to visit a TexStar banker for complete information on Commercial Analysis Checking.
back to top
BUSINESS VALUE ACCOUNT
The simple and economical business checking account for small business with limited transaction activity. Call or come by to visit with a TexStar banker for more information.
back to top
NON-PROFIT ASSOCIATION INTEREST CHECKING
Churches and other eligible non-profit associations can benefit from lower transaction fees and interest earned. Call or come by to visit a TexStar banker for more information.
back to top
MERCHANT SERVICES (CREDIT CARD SALES)
TexStar Bank has partnered with one of the best providers of merchant services in the industry today. Customers who have switched have reported both savings on their merchant discounts and equipment cost as well as better service. Call or come by to visit a TexStar banker for more information.
back to top
COMMERCIAL LOANS
TexStar Bank specializes in loans to small businesses in the San Antonio and New Braunfels metro area. Small businesses are the most important customers, and you can count on prompt attention and fast decisions on your commercial loan requests. Contact a TexStar Bank commercial lender to discuss your business credit needs.
back to top
