Personal Deposit Products & Services

Personal Checking

ESSENTIAL CHECKING
Essential Checking makes it easy to manage your money and avoid monthly fees.  This account is designed to meet your everyday banking needs in a clear, simple, and convenient way. 

PREMIER CHECKING
Premier Checking combines all of the standard benefits you want in a checking account with an opportunity to earn a competitive interest rate. 

RELATIONSHIP CHECKING
At Texas Hill Country Bank, we are committed to building relationships with our customers.  That’s why we’ve put together our Relationship Checking account for our customers that maintain a higher combined account balance, want to earn a competitive interest rate, and benefit from discounts on the banking services you use every day.

MONEY MARKET CHECKING
Our Money Market Checking is a tiered-rate account that earns competitive interest rates with limited access.  Similar to a savings account, a money market account can help you grow your money while giving you quick access to your funds.

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Personal Checking Accounts
Account Type Minimum Opening Deposit Account Features To Avoid Service Charge

Service Charge

Interest
ESSENTIAL CHECKING $50.00
  • Unlimited Check Writing
  • Free ATM/Debit Card
  • Free Web Banking and Bill Pay
  • Free Mobile Banking (with GoDough App)
  • Monthly Statement with check images
  • Maintain $500 minimum daily balance OR
  • One Direct Deposit per statement cycle OR 
  •  Full-Time student up to the age of 25 OR
  • Active or retired member of the U.S. Military or First Responder OR
  • e Statement with suppression of paper statement
$5.00 Monthly Service Charge No
PREMIER CHECKING $100.00
  • Earns interest on balances over $1,500
  • Free initial check order (bank stock)
  • Unlimited Check Writing
  • Free ATM/Debit Card
  • Free Web Banking and Bill Pay
  • Free Mobile Banking (with GoDough App)
  • ATM Fees within the continental U.S. refunded up to $10/month
  • Monthly Statement with check images
  • Free to all individuals age 50 and over OR
  • Maintain $750 minimum daily balance
$7.00 Monthly Service Charge Yes
RELATIONSHIP CHECKING $100.00
  • Earns interest on balances over $5,000
  • Two free Check Orders per year (bank stock)
  • Unlimited Check Writing
  • Free ATM/Debit Card
  • Free Web Banking and Bill Pay
  • Free Mobile Banking (with GoDough App)
  • Free cashier’s checks 
  • 25% discount on Safe Deposit Box Annual Rent 
  • ATM Fees within the continental U.S. refunded up to $20/month
  • Higher interest rates on CD’s
  • Monthly Statement with check images
  • Avoid monthly service charge by maintaining a minimum combined daily balance of $50,000 in TXHCB personal accounts under the same name.
  • Eligible accounts are Personal Checking, Savings, MMA, and CD/IRA’s
$15.00 Monthly Service Charge Yes
MONEY MARKET CHECKING $1,000.00
  • Tiered interest rate structure with higher rate paid on larger balances
  • Free ATM/Debit Card
  • Free Web Banking and Bill Pay
  • Free Mobile Banking (with GoDough App)
  • Monthly Statement with check images
  • Avoid monthly service charge by maintaining a minimum daily balance of $2,500.00
$15.00 Monthly Service Charge Yes