918-423-BANK

TBNA Banking Accounts

Deposit Account Types

 

Personal Accounts
Name Minimum Balance** Earns Interest  
Ultimate Checking none No
  • Comes with our Generations Gold premium product included!
  • Free personalized checks
  • Free Money Orders
  • 20% Discount on first year's Safe Deposit Box rental
  • No minimum balance requirement or per check charge
  • Bounce Protection overdraft privilege available up to $400
  • $100 minimum opening deposit
  • $8 monthly service fee
Rewards Checking none Yes
  • Earns interest regardless of balance:
    • Premium rate paid on balances from $1 - $24,999, if account requirements are met*
    • Basic rate paid on balances above $24,999 or if account requirements are not met*
  • Free personalized checks
  • Debit card and NetBanker required
  • Electronic monthly statement required
  • No minimum balance requirement  
  • Bounce Protection overdraft privilege available up to $300
  • $100 minimum opening deposit
*minimum of 12 debit card transactions, excluding ATM transactions; valid email address required; and sign in to NetBanker at least once per statement cycle.
Premium Checking $750.00 Yes
  • Earns interest at competitive rate
  • Minimum balance of $750 to avoid a $7 monthly service charge
  • No fee for first 50 checks presented for payment per statement cycle; 25¢ fee per check thereafter
  • Return of check images for easy record keeping; electronic or paper statement available
  • Debit Card and NetBanker with PowerPay available
  • Bounce Protection overdraft privilege available up to $500
  • $750 minimum opening deposit
Prestige Checking none Yes
  • Checking designed especially for those 50 yrs old and over
  • Earns interest at competitive rate with balance of $500 or more
  • No minimum balance requirement or per check charge
  • No monthly service charge
  • Return of check images for easy record keeping; electronic or paper statement available
  • Debit Card and NetBanker with PowerPay Available
  • Bounce Protection overdraft privilege available up to $400
  • $100 minimum opening deposit
Basic Checking $500.00 No
  • Minimum balance of $500 to avoid a $6 monthly service charge
  • No fee for first 50 checks presented for payment per statement cycle; 25¢ fee per check thereafter
  • Return of check images for easy record keeping; electronic or paper statement available
  • Debit card and NetBanker with PowerPay available
  • Bounce Protection overdraft privilege available up to $300
  • $500 minimum opening deposit
Totally Free Checking none No
  • No minimum balance requirement
  • No monthly service charge or per check charge
  • Electronic or paper statement available without check images
  • Debit card and NetBanker with PowerPay available
  • Bounce Protection overdraft privilege available up to $100
  • $100 minimum opening deposit
Money Market Checking $1,500.00 Yes
  • Interest rate determined by balance in account:
    • Level 1:  daily balance of $1.00 to $9,999.99
    • Level 2:  daily balance of $10,000 to $24,999.99
    • Level 3:  daily balance of $25,000 or more
  • Minimum balance of $1,500 to avoid a $15 monthly service charge
  • Transfers to another account or to third parties by check, preauthorized, automatic or telephone transfers are limited to six per monthly statement cycle.  A $10 fee is assessed for exceeding this limit
  • Return of check images for easy record keeping; electronic or paper statement available
  • Bounce Protection overdraft privilege available up to $500
  • $1,500 minimum opening deposit
Savings $100.00 Yes
  • Earns interest at competitive rate for each day the balance is $100 or more
  • Minimum balance of $100 required for each day of the statement cycle to avoid $15 quarterly service charge
  • Six free withdrawals per quarter; $2 fee per debit transaction thereafter
  • Electronic or paper statement provided quarterly
  • $100 minimum opening deposit
Certificates of Deposit N/A Yes
  • Minimum opening deposit of $1,000
  • Terms available from 31 days to 5 years
  • Interest rates are guaranteed through maturity
  • Interest may be paid by check, deposited to a checking or savings account or added back to the certificate
  • Automatic account renewal
  • Current interest rates available from The Bank N.A. Customer Service Representatives
  • Special rates may be offered for certificates over $100,000
  • A penalty is assessed for early withdrawal of funds
Individual Retirement Accounts N/A Yes

We offer the following types of IRA accounts:

  • Traditional IRA
  • Roth IRA
  • Education IRA

Our IRA’s include these features:

  • 18 month term
  • Competitive variable interest rate is paid and is adjustable quarterly
  • Assistance with transfers or rollovers is available

 

Commercial Accounts
Name Minimum Balance Earns Interest  
Commercial Checking none No
  • Monthly maintenance fee of $5
  • Activity fees: $.10 per debit, credit or foreign item deposited (a foreign item is any check not drawn on The Bank N.A.)
  • Earnings credit based on a variable rate.  It is calculated on the average collected balance during the statement cycle and applied to reduce the maintenance and activity fees
  • Earnings credit cannot exceed monthly service charge and is not carried over to the next month
  • Check images returned in monthly statement for easy record keeping
  • Night Deposit Service and Merchant Credit Card processing available
  • $300 minimum opening deposit
Small Business Checking none No
  • No monthly service charge
  • 80 free transactions per month*; a $.25 per additional transaction fee will be assessed for every item over 80    
  • Check images returned in monthly statement for easy record keeping
  • Night Deposit Service and Merchant Credit Card processing available
  • $100 minimum opening deposit
* Transactions include all credits, debits, transfers and items deposited.
Commercial Money Market Checking $2,500 Yes
  • Interest rate determined by balance in account:
    • Level 1:  daily balance of $1.00 to $24,999.99
    • Level 2:  daily balance of $25,000 to $49,999.99
    • Level 3:  daily balance of $50,000 or more
  • Minimum balance of $2,500 required each day to avoid $25 service charge
  • Transfers to another account or to third parties by check, preauthorized, automatic or telephone transfers are limited to six per monthly statement cycle.  A $10 fee for exceeding this limit.
  • Return of check images for easy record keeping; electronic or paper statement available
  • $2,500 minimum opening deposit
Commercial Savings $100 Yes
  • Earns interest at competitive rate for each day the balance is $100 or more
  • Minimum balance of $100 required for each day of the statement cycle to avoid $15 quarterly service charge
  • Six free withdrawals per quarter; $2 fee per debit transaction thereafter
  • Electronic or paper statement provided quarterly
  • $100 minimum opening deposit

 

** Minimum balances listes are the balances required to avoid service charges / fees.

 

What You Need To Know About Overdrafts And Overdraft Fees

Bounce Protectioin Overdraft Privilege Program