Personal Banking

Access ID:
Enroll Now

Personal Banking - Checking Accounts

When was the last time you actually got personal service from your bank? If you're already a Normangee State Bank customer, you know the answer. The last time you called or came in. If you hesitated, it's time you started banking with us. We'll work with you to make sure you get the account that's right for you and the service to match.
 
Regular Checking

  • Minimum Opening Balance - $200.00
  • Balance required to avoid service charge - $500.00
  • Monthly maintenance Fee - $12.50 (if during statement period the balance falls below $500.00)
  • Statement Period - Monthly
  • Balancing of Statement - No Charge
  • Per Check / ACH charge of $00.10 when balance falls below $500.00
  • Check Reorder - Cost of check printing varies depending on the style of checks ordered
  • Insufficient Funds Charge (per item) - $25.00
  • Stop Payment Charge (per item) - $15.00

Senior Citizen Account

  • Minimum Opening Balance - $200.00
  • Balance Required - none
  • Service Charges - none
  • Monthly Maintenance Fees - none
  • Statement Period - Monthly
  • Balancing of Statement - No Charge
  • Per Withdrawal Charge - none
  • Check Reorder - Cost of check printing varies depending on the style of checks ordered
  • Insufficient Funds Charge (per item) - $25.00
  • Stop Payment Charge (per item) - $15.00

Money Market Checking

  • Minimum Opening Deposit - $2,500.00
  • Interest Rate See Rate Schedule
  • Annual Percentage Yield (APY) See Rate Schedule
  • Minimum balance required to obtain APY as listed - $2,500.00
  • Interest compounded Monthly
  • Interest credited Monthly
  • Interest computation method Daily Balance *
  • On non-cash items, interest will begin to accrue on the next business day.
  • If you close your account before interest is credited, you will receive the accrued interest.
  • Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time.
  • Statement Period Monthly
  • Cost of check printing varies depending on the style of checks ordered.
  • Monthly Maintenance Fee - $20.00 below $2,500.00
  • Excess Check / ACH of $00.50 for each withdrawal over 20 per statement cycle.
  • If the balance falls below $2,500.00, no interest will be paid.
  • No overdrafts allowed and no waived charges.
  • Insufficient Funds Charge (per item) - $25.00
  • Stop Payment Charge (per item) - $15.00

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

Personal Banking - Savings Accounts

 
Regular Savings

  • Minimum Opening Balance - $200.00
  • Balance required to avoid service charges - $200.00
  • Interest rate - See rate schedule
  • Annual Percentage Yield (APY) - see rate schedule
  • To obtain APY requires a $200.00 minimum balance
  • Interest computation method - daily balance*
  • Interest will be compounded - quarterly
  • Interest will be credited - quarterly
  • Interest will be accrued - daily
  • On non-cash items, interest will begin to accrue on the next business day
  • If you close your account before interest is credited, you will receive the accrued interest.
  • Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time.
  • Statement period - quarterly
  • Monthly maintenance fee - $5.00 if balance falls below $200.00
  • Transaction limitations - 3 free withdrawals each month.  There will be an excess withdrawal fee of $3.00 for each additional withdrawal.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

Money Market Savings

  • Minimum Opening Balance - $2,500.00
  • Interest will not be paid if balance falls below - $2,500.00
  • Interest rate - See rate schedule
  • Annual Percentage Yield (APY) - see rate schedule
  • To obtain APY requires a $2,500.00 minimum balance
  • Interest computation method - daily balance*
  • Interest will be compounded - monthly
  • Interest will be credited - monthly
  • Interest will be accrued - daily
  • On non-cash items, interest will begin to accrue on the next business day
  • If you close your account before interest is credited, you will receive the accrued interest.
  • Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time.
  • Statement period - monthly
  • Transaction limitations - 3 free withdrawals each month.  There will be an excess Check / ACH charge of $3.00 for each additional withdrawal.  If the balance falls below $2,500.00, no interest will be paid and a $20.00 charge will be levied.
  • Bank reserves the right to require seven (7) days notice on withdrawals.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.