Checking Accounts That Fit Your Needs
We keep it simple. No hidden fees. No surprises. Just transparent pricing that lets you know exactly what you'll pay—and how to pay nothing at all.
Basic Checking
Perfect for everyday deposits and withdrawals.
- $0/month with direct deposit
- Out-of-network ATM fees reimbursed
- No minimum balance required
- Same-day deposits & withdrawals
*$5/month without direct deposit
Premium Checking
For customers who want extra benefits and rewards.
- $0/month with $500+ daily balance
- Unlimited ATM fee reimbursement (worldwide)
- 0.25% APY on account balance
- Priority customer service line
*$10/month if balance falls below $500
(601) 405-9821
No Hidden Fees. Ever.
Every fee is disclosed upfront. Direct deposit waives your monthly fee. Out-of-network ATM fees are reimbursed. We believe in transparency—so you always know what you're paying.
No Hidden Fees. Ever.
We believe in transparent banking. Here's exactly what you'll pay—and more importantly, how to avoid paying anything at all.
| Fee Type | Cost | How to Avoid It |
|---|---|---|
| Monthly Maintenance Fee | $0–$15 | Set up direct deposit. Most accounts waive the fee automatically. |
| Out-of-Network ATM Withdrawal | $0 (Reimbursed) | We reimburse out-of-network ATM fees. Use any ATM without worry. |
| In-Network ATM Withdrawal | Free | Access our large Dallas ATM network with zero fees. |
| Deposits (Branch or Mobile) | Free | No action needed. All deposits are free, whether in-branch or via mobile app. |
| Overdraft Fees | $0–$35 | Link a savings account for overdraft protection, or request opt-out status. |
| Withdrawal Limits | No limit | Withdraw as much as you need, whenever you need it. No restrictions. |
Direct Deposit = No Monthly Fee
The easiest way to save $15–$180 per year: set up direct deposit from your employer or benefit provider. Your monthly maintenance fee disappears automatically.
Most customers qualify. It takes just a few minutes to set up.
Why Local Banking Saves You Money
The National Problem
Dallas customers pay an average of $4.69 per out-of-network ATM withdrawal—above the national average. If you use an out-of-network ATM just 10 times a year, that's nearly $47 in unnecessary fees.
Other banks make you pay it. We don't.
Our Solution
Our large Dallas ATM network means you'll rarely need an out-of-network ATM. And if you do? We reimburse the fee. Use any ATM anywhere—we've got your back.
Plus, no monthly fee with direct deposit. That's $180+ in annual savings.
Our Commitment to Transparency
No surprise fees. Every fee is disclosed upfront in our Truth in Savings disclosure. You'll know exactly what you're paying before you open an account.
Fee waivers are real. If you qualify for a fee waiver (like direct deposit), it applies automatically. No paperwork, no hoops to jump through.
We reimbursed out-of-network ATM fees. Use any ATM in the country—we'll credit the fee back to your account within one business day.
Same-day cash access. Deposits post immediately at our branch. No holds, no delays. Your money is yours when you need it.
Questions About Fees?
What if I don't set up direct deposit?
You'll pay a monthly maintenance fee ($15 for most accounts), but it's still lower than most national banks. And you can waive it anytime by setting up direct deposit.
How long does it take to get the ATM fee reimbursement?
Out-of-network ATM fees are reimbursed within one business day. You'll see the credit in your account automatically—no need to ask or file a claim.
Are there withdrawal limits?
No. You can withdraw as much as you need, whenever you need it. Whether it's $20 or $2,000, there are no limits on your checking account.
What happens if I overdraft my account?
We offer overdraft protection options, including linking to a savings account or requesting opt-out status (which declines transactions instead of charging a fee). Call us to discuss the best option for your situation.
Ready to switch to transparent banking?
Call us today to open an account, ask about fees, or get answers to any questions. No pressure—just honest, straightforward banking.
Call Now: (601) 405-9821Or visit us in person at 7600 W North West Hwy, Dallas, TX
Direct Deposit Eliminates Monthly Fees
Set up direct deposit and you'll never pay a monthly maintenance fee. It's that simple. Here's how to get started and see your savings add up.
What Qualifies?
Direct deposit is when your employer, government agency, or benefits provider electronically transfers your paycheck or funds directly into your account.
How to Set It Up
Getting direct deposit going is quick and easy—usually takes just a few minutes.
Gather your account and routing number from your debit card or online banking.
Ask HR or the benefits department for a direct deposit form, or set it up through their online portal.
Provide your account and routing number on the form and submit. Most start within 1-2 pay periods.
See Your Annual Savings
Monthly fee waived
Months per year
Annual Savings
That's money back in your pocket every year, just for setting up direct deposit.
More Than Just No Fees
Faster Access to Your Money
Your paycheck arrives in your account automatically—no waiting for checks to clear.
Safer Than Paper Checks
No risk of lost or stolen checks. Your money goes straight to your account.
Automatic and Hassle-Free
Set it up once and forget about it. Your paycheck arrives on schedule every time.
Better Budget Control
Know exactly when your money arrives so you can plan your spending with confidence.
Ready to waive your monthly fee and start saving? Call us today to open an account or ask about direct deposit setup.
Call (601) 405-9821Our team is ready to help you get started.
Why Local Banking Saves You Money
Out-of-network ATM fees add up fast. Dallas customers pay an average of $4.69 per withdrawal at non-network ATMs. With our expansive local network, you keep that money in your pocket.
The National Bank Problem
Large national banks offer convenience, but their ATM networks don't cover Dallas comprehensively. When you need cash:
- • $4.69 per out-of-network withdrawal — Dallas average
- • 12 withdrawals per year = $56.28 in fees
- • 5 years = $281.40 wasted
And that's just ATM fees. Monthly maintenance fees add another $120–180 per year at many national banks.
Local Banking. Zero Fees.
Our expansive Dallas network means you're never far from a free ATM or branch.
- ✓ Free in-network ATM withdrawals across Dallas
- ✓ Out-of-network fees reimbursed — use any ATM guilt-free
- ✓ No monthly fee with direct deposit
- ✓ Same-day cash access at any of our branches
Your 5-year savings: $281+ in ATM fees alone. Plus $600+ in waived monthly fees with direct deposit.
Your Annual Savings Breakdown
Out-of-Network ATM Fees
$56
12 withdrawals × $4.69
Monthly Maintenance Fees
$0
With direct deposit
Overdraft Protection
$0
No surprise charges
Total Annual Savings
$56+
Plus $600 with no fees
Why Our Local Network Matters
Convenient Locations
Multiple branches and ATMs across Dallas means you're never more than a few minutes from your money. No more searching for compatible ATMs.
Lower Total Cost
Free ATM access + no monthly fees with direct deposit = real savings. Unlike national banks that nickel-and-dime you, we keep fees transparent and low.
Same-Day Access
Need cash today? Visit any branch during business hours or use our 24/7 ATM network. No waiting, no complications, just instant access.
The Dallas Reality
Branch closures are shrinking your options. Major national banks have reduced Dallas locations by 15% over the past five years. That means fewer places to access cash without paying out-of-network fees.
ATM fees keep rising. The Dallas average of $4.69 per out-of-network withdrawal is above the national average. Every transaction costs more when you're locked into a limited network.
Local banking is the answer. We maintain a robust Dallas footprint with competitive ATM reimbursement and no monthly fees. You get the convenience of a national bank with the cost structure of a community bank.
Ready to switch and start saving? It's simple.
Call to Open an Account(601) 405-9821 • 7600 W North West Hwy, Dallas, TX