First Bank and Trust of Childress
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CHECKING ACCOUNTS

Free Checking

  • $100.00 minimum balance to open
  • No monthly service charge, no per check charge, no minimum balance
  • Check safekeeping, $.50/Item-cancelled checks (first 2 free), with unlimited checking.
  • First order of 200 checks Free (Bank Stock Type Only)

Regular Checking

  • $100.00 minimum balance to open
  • Monthly service charge of $3.00 plus $.30 for each check issued and a $.20 credit for each $100 average balance (no service charge for customers 65 years and older if the bank has been notified).

First Preferred Account

  • $100.00 minimum balance to open
  • Monthly service charge of $9.00, No minimum balance required, unlimited check writing, personalized checks and a free 3x5 size safe deposit box. You will be able to receive 4 cashier's checks a month at no charge, free notary service and free fax service.
INTEREST BENEFITS

You may receive interest on your account by keeping a minimum monthly balance of $1,000.00 in your account. There is no additional service charge if a minimum balance of $1,000.00 is maintained. There will be an additional $5.00 fee for violation the minimum balance. Interest will be forfeited on daily balances below $1,000.00.

First Preferred Gold

  • For customers 65 years of age or older.
  • You will receive the same benefits as the regular First Preferred, however, you will only have a monthly service charge of $4.50.

Super Now Checking

  • (Individuals, non-profit organizations and sole proprietorships only)
  • Minimum balance of $1,000.00 - $5.00 monthly service charge and interest forfeited for the days the balance is below $1000.00.
  • Interest rate is variable and subject to change at bank's discretion.

Money Market Account

  • Minimum balance of $1,000.00 - $5.00 monthly service charge and interest forfeited for the days balance is below $1,000.00
  • Only six transactions per statement cycle can be to 3rd parties.
  • Withdrawal transactions over six are $10.00 per transaction.
  • Interest rate is variable and subject to change at the bank's discretion.

Business Checking

  • All accounts are place on an account analysis according to volume of activity and monthly balances maintained.

SAVINGS ACCOUNTS

Regular Savings

  • $2.00 Service Charge per month for balances less than $100.00
  • Two withdrawals per month, $1.00 charge for additional withdrawals (Senior citizens and minors are exempt from $2.00 monthly service charge).
  • Interest rate is variable and subject to change at bank's discretion
  • Only six transactions per statement cycle can be to 3rd parties

ETA Account

  • $3.00 Monthly Service Charge
  • No minimum balance to open or maintain account
  • Four free withdrawals &/or balance inquiries per month
  • $1.00 fee for each additional withdrawal or inquiry over 4 each per month
  • Monthly statement
  • No checks will be issued on this account

ALL CHECKING AND SAVINGS ACCOUNTS ARE SUBJECT TO A $10.00 CHARGE EXCLUDING ETA ACCOUNTS, IF CLOSED WITHIN 30 DAYS OF OPENING.

Deposits made after 4:00 P.M. weekdays and anytime on Saturday at the Gateway Branch will be posted on the following day.
Deposits made after 4:00 P.M. weekdays in Downtown Childress will be posted on the following day.


IMPORTANT ACCOUNT INFORMATION
Dear Customer:
We have disclosures available for consumer deposit accounts that we currently offer. You may request a disclosure for any accounts you may have with us. The disclosure contains information about terms, fees and rates.

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