Telephone Banking:

(903) 859-EASY (3279)
(866) 582-8440

Our Locations:

  • Main Bank
    102 Front St., Drawer 100
    Arp, Texas 75750
    (903) 859-2211
    (866) 579-7959
  • Tyler Branch
    734 S. Fleishel
    Tyler, Texas 75701
    (903) 593-3100
  • South Tyler Branch
    5202 Old Jacksonville Hwy
    Tyler, Texas 75703
    (903) 266-5500
  • Chapel Hill Branch
    12300 State Hwy. 64E
    Tyler, TX 75707
    (903) 566-0835
  • Texarkana Branch
    4646 Cowhorn Creek Road
    Texarkana, TX 75503
    (903) 255-3100

Checking Accounts

Account Type  Opening Deposit Minimum Balance * Monthly Service Charge Check Writing Options Interest Bearing
Free Checking More» $100 NoneNone Unlimited No

Account Benefits

  1. Free Online Banking
  2. Free Bill Pay
  3. Free Mastercard Check Card
  4. Unlimited check writing
  5. Free ATM Card no fees anywhere
  6. Free E-mail itemized monthly statements or Mailed monthly statements. Copy of a check: $2.00 fee
  7. Overdraft Privilege**
Regular Checking More» $100 $500 Tiered rates if min. balance is not maintained Unlimited No

Account Benefits

  1. Free Online Banking
  2. Free Bill Pay
  3. Unlimited Check Writing
  4. Free Mastercard Check Card
  5. Free ATM Card no fees anywhere
  6. Overdraft Privilege**
  7. Three free Cashier’s checks and Money Orders per month
  8. Free Telephone Banking
  9. Check image statements for record keeping
  10. Monthly Minimum Balance and Service charge:
    $500.00 and over No charge
    $499.99 - $300.00 $7.00
    Below $300.00 $10.00
55 Plus Checking More» $100 $300 $7 if min. balance is not maintained Unlimited No

Account Benefits

  1. Free Online Banking
  2. Free Bill Pay
  3. Free Mastercard Check Card
  4. No fee cashier’s checks (limit of 3 per month)
  5. Free ATM Card no fees anywhere
  6. Overdraft Privilege**
  7. One free order of checks per year
  8. Free 3x10 Safe Deposit Box for 1 year
  9. Check image statements for record keeping
Interest Advantage Checking More» $100 $1,000 $10.00 if min. balance is not maintained Unlimited Yes

Account Benefits

  1. Free Online Banking
  2. Free Bill Pay
  3. Free Mastercard Check Card
  4. Unlimited Check Writing
  5. Free ATM Card no fees anywhere
  6. Overdraft Privilege**
  7. Check image statements for record keeping
  8. Interest earned on entire collected balance. No interest earned if balance falls below minimum.
Free Small Business Checking More» $100 None Tiered rates if min. balance is not maintained Limit 200 per calendar month. $.50 charge per item in excess No

Account Benefits

  1. Free Online Banking
  2. Free Bill Pay
  3. Free Mastercard Check Card
  4. Free ATM Card no fees anywhere
  5. Overdraft Privilege**
  6. Check image statements for record keeping
Advantage Business Checking More» $100 $5,000.00 $20.00 if below minimum ledger balance for the calendar month Limit 400 per calendar month. $.50 charge per item in excess No

Account Benefits

  1. Free Online Banking
  2. Free Unlimited Online Bill Pay
  3. Free Mastercard Business Check Card
  4. Check image statements for record keeping
Business Analysis Checking More» $100 None $10.00 Maintenance Fee   No

Account Benefits

  1. Earnings credit to offset fees
  2. Earnings credit is based on average monthly balance, less 10% reserves, based on 90 day T-bill
  3. Applicable FDIC Insurance coverage fees
  4. Free Online Banking
  5. Free Mastercard Check Card
  6. Cash Management service available
  7. Check image statements for record keeping
  8. **If your transaction volume exceeds the minimum setup for your account, your account may be converted to another account type.
  9. Each check paid:  $.10
    Each item deposited (on us):  $.06
    All other items:  $.08

* Minimum balance required to avoid service charge.

** Qualifications Apply

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