Phone: 1-806-293-3635

HCSB® Reward Checking

Experience the HCSB® difference with the best checking account around. Earn 3.26% 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.

View more product details at REWARDChecking from HCSB.

Summary

3.26% APY* on balances up to $25,000
1.01% 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 qualification cycle:

Make 12 check card purchases (These transactions must be posted to the account within the qualification cycle.)
Transact one direct deposit or ACH auto debit (These transactions must be posted to the account within the qualification cycle.)
Sign up for Internet Banking and receive eStatements

And remember, if for some reason you don't qualify for the rewards one cycle, you can meet the qualifications for the next cycle.

"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.

"Business Day" is every day except Saturdays, Sundays and legal holidays.

More Information

Annual Percentage Yield (APY) accurate as of 04/01/2010. Minimum to open account is $100. Rate tiers are as follows: 3.26% APY applies to balances of $0.01 - $25,000 and 1.01% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 3.26% APY to 1.01% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.