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NOW Account
Our NOW checking account is an interest-bearing account that gives you everything you need.
Frequently Asked Questions
Learn more about the convenient services at Bank of South Texas.
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Rate Information
Your interest rate and annual percentage yield may change.
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Determination of rate
At our discretion, we may change the interest rate on your account.
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Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.
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Minimum balance to avoid imposition of fees
A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
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Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
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Frequency of rate changes
We may change the interest rate on your account at any time.
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Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account monthly.
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Minimum balance to open the account
$100.00
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Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the annual percentage yield.
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Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit non-cash items (i.e., checks).
Features
All of our products and services come with the latest features and benefits.
Mobile Banking
Our free Mobile Banking service makes it easy to track your spending, pay bills, send money, deposit checks, and more.
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Online Banking
Our user-friendly interface allows you to see bill payment activity, view balances, monitor transactions, and more.
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Instant Debit Card
No more waiting! Walk in to any branch to open an account and walk out with your new debit card in hand - instantly!
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ATM Services
Bank of South Texas customers can access thousands of surcharge-free ATMs worldwide thanks to our partnership with Allpoint.
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CardValet
The CardValet app gives you real-time alerts about your card usage with the ability to control your cards with your mobile device.
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Overdraft Program
We offer a variety of overdraft protection options that can help protect you and give you financial peace of mind.
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