PERSONAL SERVICES
At North Texas Bank, our goal is
to find a way to satisfy your individual needs. Every customer has
different requirements and our job is to personally understand what
those requirements are and then guide you in selecting the relevant
products that best meet those needs. Friendly and responsive service
is just our way of doing business.
A list of the personal banking products and services we offer is shown
below.
TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY
LAUNDERING ACTIVITIES, Federal law requires all financial institutions
to obtain, verify, and record information and identify each person who
opens an account. What this means to you: When you open an account, we
will ask for your name, address, date of birth, and other information
that will allow us to identify you. We may also ask to see your
driver’s license or other identifying documents.
Personal Checking
Classic Checking
A checking account to handle the needs of a busy household. You
determine your own service charge by the balance you maintain.
- $100 minimum deposit to open account
- $500 minimum daily balance to avoid service fees
- $7 service fee if minimum daily balance is not met
- Unlimited check writing
- Free Online Banking
- Free North Texas Bank check card
- Free 24 Hour Telephone Banking Services
- Imaged Statement
Relationship Checking
We want you to know we appreciate your business. Your checking
account will earn interest and will not have a monthly service fee
when you keep total monthly deposits of $10,000 or more in related
accounts*.
- Interest bearing
- $100 minimum deposit to open account
- $10,000 minimum daily balance in related accounts to avoid
service fees
- $10 service fee if minimum daily balance is not met
- Free North Texas Bank checks
- Unlimited check writing
- Free Online Banking
- Free North Texas Bank check card
- Free 24 Hour Telephone Banking Services
- Imaged Statement
*A related account is defined as two or more accounts with the
same primary owner.
Wise Account
The Wise
Account is checking with benefits you need and the value you
deserve. It will save you money while providing outstanding services
that you can use every day. It comes with the following features:
- $10,000 Accidental Death and Dismemberment Insurance
- $10,000 Identify Theft Insurance
- Savers Club Discount Book
- Sojourns Travel Magazine
- $100 minimum deposit to open account
- Free Wise Account Club checks
- Free Cashiers Checks
- Unlimited check writing
- Free Online Banking
- Free North Texas Bank check card
- Free 24 Hour Telephone Banking Services
- Imaged Statement
- $8 flat monthly service
Friendly Free Checking
A cost conscious checking account. There are no minimum balance
requirements.
- $100 minimum deposit to open account
- Limited to 40 checks per month
- Excessive check charge of $.25 per check over 40
- Truncated account
- Free Online Banking
- Free North Texas Bank check card
- Free 24 Hour Telephone Banking Services
Money Market Checking
Our Money Market checking account pays interest and offers you the
ability to write up to three checks per month. Deposit balances
determine interest rates.
- $2,500 minimum deposit to open account
- $2,500 minimum daily balance to avoid service fees
- $15 service fee if daily balance is below $2,500
- Interest is earned on daily current balance
- Check writing and withdrawal limitations: Government Regulations permit 6
transfers and withdrawals per statement cycle; up to 3
transactions may be made by check, draft or debit card, the
remainder may be pre-authorized (automatic) transfers
- Excessive withdrawal fee of $15 per transaction
- Free Online Banking
- Free 24 Hour Telephone Banking Services
- Imaged Statement
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Personal Savings
Personal Savings
A North Texas Bank personal savings account is a good way for anyone
to start a savings program. The low minimum balance requirement
makes it affordable and convenient.
- $100 minimum deposit to open account
- $100 minimum daily balance to avoid service fees
- $5 service fee if minimum daily balance is not met
- Interest is earned on daily current balance
- Withdrawal Limitations: Government Regulations permit 6
transfers and withdrawals per month; up to 3 transactions may be
made by check, draft or debit card, the remainder may be
pre-authorized (automatic) transfers
- Excess withdrawal fee of $5 per transaction
- Free Online Banking
- Free 24 Hour Telephone Banking Services
- Quarterly statement*
*Monthly statement when there are automatic transfers, ATM
transactions or if customer receives a combined account statement.
Liquid Asset Savings
A North Texas Bank liquid asset account is a premium savings account
for those who do not want to tie their money up in a CD, but want to
earn a competitive rate.
- $10,000 minimum deposit to open account
- $10,000 minimum daily balance to avoid service fees
- $15 service fee if minimum daily balance is not met
- Interest is earned on daily current balance
- Limited to 4 internal withdrawals per month
- Excess withdrawal fee of $15 per transaction
- Free Online Banking
- Free 24 Hour Telephone Banking Services
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CD's & IRAs
Certificate of Deposits (CD’s) and
Individual Retirement Accounts
(IRA’s)
- Minimum deposits as low as $500
- Terms from 30 days to 60 months
- A variety of interest payment options available
- Most CDs are available as IRA investments
A variety of options available for fixed term investing with the
security of the Federal Deposit Insurance Corporation (FDIC) make
this investment product popular. Please call North Texas Bank today
to arrange a meeting with a personal banker for more information or
to open an account.
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Personal Loans
North Texas Bank makes it convenient and easy to borrow for any
purpose. We offer a complete range of loan products while delivering
personal, professional customer service. All credit decisions are
made right here in Decatur in an expedient manner. North Texas Bank
can assist you with the following types of personal loans:
- Agricultural Loans
- Construction Loans for New Homes
- Consumer Loans
- Home Equity Loans
- Home Improvement Loans
- Mortgage Loans
- Personal Lines of Credit
- Real Estate Land Loans
- Real Estate Lot Loans
- Recreational Vehicle Loans
- Vehicle Loans Including New/Used Auto and Motorcycle
North Texas Bank is an equal housing lender. Different rates and
fees apply to each product with full disclosures given at the time
of application. Credit services are subject to approval.
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Other Services
North Texas Bank cares about you and about first class service.
Therefore, we offer the following services to make your life easier
and allow you to conduct your banking on your schedule, not ours.
North Texas Bank Visa Check Card
- Use at any ATM displaying the PULSE™ or Cirrus™ logo
- Use like a credit card at any merchant displaying the Visa™ logo
- Funds are automatically deducted from your checking account
- No monthly or annual fee
North Texas Bank 24 Hour Bookkeeper
Our 24 Hour Bookkeeper allows you to have access to your account
information 24 hours a day, 7 days a week. Call as often as you
like; there is no charge for the call or transactions. Using any
touch-tone telephone, you can get up to date information by calling
the toll free number 877.445.CALL (877.445.2255). You can check your
balance, see if a check has cleared, transfer funds, make loan
payments and more.
North Texas Bank Personal Service
When you call North Texas Bank during business hours, a live
person will answer the phone, courteously greet you, and assist you
with your call or request. Some things just cannot be replaced and
personal attention to your call is one of them.
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