HCSB® Reward Checking
Experience the HCSB® difference with the best checking account around. Earn 2.27% APY* with no minimum balance or monthly fees!
This free high-interest checking account offers you a premium interest rate with no fees or restrictions. We even refund your service fees when you use non-network ATMs. Reward Checking is an account that can't be beat!
Since 1934, we've been offering the best checking account options around. Reward Checking is the best of the best, available in the Hill Country and West Texas.
- Summary
- 2.27% APY* on balances up to $25,000
- 0.51% APY* on amount of balance over $25,000
- 0.05% APY* if qualifications aren't met
- Unlimited check writing
- No minimum balance
- No monthly fees
- Personalized check ordering available
- ATM fee refunds (up to $20 each month)
- Free HCSB® Visa® Check Card
- Free Online Banking with Bill Pay
- Free eStatements
- Direct deposit available
- Overdraft privilege
- FDIC insured up to $250,000
- $100 deposit to open
*APY = Annual Percentage Yield
Qualifications:
To receive the Rewards Rate and ATM fee refunds simply do the following during each monthly qualification cycle:
■Have 12 check card purchases. These transactions must be posted to the account within the qualification cycle. Due to variances in merchant processing times, authorized purchases may take up to three business days to post to your account. Items designated as "memo post" are not considered posted and cleared.
■Transact one direct deposit or ACH auto debit. These transactions must be posted and cleared to the account within the qualification cycle. Items designated as "memo post" are not considered posted.
■Sign up for Internet Banking and receive e-Statements
"Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.
Click here to view the 2011 Qualification Cycle.
Click here to view the 2012 Qualification Cycle.
"Business Day" is every day except Saturdays, Sundays and legal holidays.
And remember, if for some reason you don't qualify for the rewards one cycle, you can meet the qualifications for the next cycle.
*Minimum to open account is $100. Annual Percentage Yield (APY accurate as of 9/1/2011.Rate tiers are as follows: 2.27% APY applies to balances of $0.01 - $25,000.00 and 0.51% APY applies to balances $25,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.27% APY – 0.51% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.
Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.
ATM Fee reimbursements up to $20 each month provided only if qualifications are met within the monthly qualification cycle.
