Anahuac National Bank
Terms & Conditions of Your Account

Account Types:
Regular Checking
Club Checking
Value Checking
Savings Accounts
Money Market 
NOW Checking



Club Checking Financial Benefits
Club Checking Lifestyle Benefits


NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS



Checking Accounts

TRUTH-IN-SAVINGS DISCLOSURE

REGULAR CHECKING

Unlimited check writing

Minimum balance to open the account - You must deposit $250.00 to open this account.

Minimum balance to avoid imposition of fees
- If your balance falls below $500.00 on any day in the monthly statement cycle we will impose a service charge fee of $9.00 once during a statement cycle. If you maintain at least $500.00 in your account every day of the month, no service charge will be assessed. 

CLUB  CHECKING

Minimum balance to open - The minimum balance required to open this account is $250.00.
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees - A club service charge fee will be charged to this account each statement cycle depending on the amount of Accidental Death & Dismemberment and Common Carrier insurance coverage obtained.

Basic Plan ($10,000 AD&D and $20,000 Common Carrier Coverage) .......$11.00

Personal Plan ($20,000 AD&D and $40,000 Common Carrier Coverage) ..$12.00

Family Plan ($30,000.00 AD&D and $60,000 Common Carrier Coverage for member, $1,500 ADSD and $3,000 Common Carrier Coverage for each dependent child).......$13.00

Please refer to the separate Club Checking Account brochure for additional benefits with this account.

If a Sweep Checking Account is requested by the customer and is utilized to automatically transfer funds into an account that would otherwise be in an overdrawn position,  a minimum of $500.00 will be automatically transferred and a sweep fee of $25.00 will be assessed with each sweep.  In order to open a Sweep Checking Account, you must be a Club Checking Account Holder.

VALUE CHECKING

*(Direct Deposit of Salary, Pension or Social Security Required)
Minimum balance to open the account –
You must deposit $150.00 to open this account.
Additional Benefits:
Free Secure Internet Banking – www.anbank.netwww.bhbank.netwww.eastccbank.net
Free 24-hour Telephone Information Line – 409-267-INFO (4636) or 866-526-FACT (3228)
Visa Debit Card
Free monthly check imaged statement
No minimum daily balance to maintain
No ATM fees for cash transactions at Anahuac National Bank, Barbers Hill Bank or East Chambers County Bank
Free Notary Service
Free printed checks provided by bank
Low – Cost Internet BillPay Service
** No Service Charge
*Direct deposit must arrive within 45 days of opening or the account will convert to a DDA Regular Checking Account
**Limit of 10 paper checks per month; exceeding limit will result in a $10.00 service charge.
Remember, utilizing the online BillPay Service should greatly reduce the need for paper checks.

NOW CHECKING

Rate Information -
Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account -
You must deposit $2,000.00 to open this account.

Minimum balance to avoid imposition of fees -
A service charge fee of $9.00 will be imposed every statement cycle if the balance in the account falls below $2,000.00 any day of the cycle.

Average daily balance computation method -
We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Deposit limitations - You may make an unlimited number of deposits into your account.

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Anahuac National Bank
801 S. Ross Sterling (Belton Lane at FM 563)
P.O. Box N,  Anahuac, Texas 77514
Phone: 409-267-3106  24HR: 409-267-4636 (INFO)  Fax: 409-267-3950
Toll Free: 866-526-3273 (EASE)
24 HR Toll Free: 866-526-3228 (FACT)
www.anbank.net