Rewards Checking

Make the most of your money by earning a sky-high 2.01% APY* on your checking balance! This free account allows you to earn massive interest and get ATM fee refunds** too—not just in Southeast Texas, but nationwide.

Think about it—at most banks you're lucky to get a measly 0.02% APY* on your savings, let alone on a checking account. Things are different at Texas First. It's no wonder why this is our most popular account!

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Rewards Checking
  • 2.01% APY* on balances up to $10,000
  • 2.01 to 0.32 on balances over $10,000 depending on balance in account*
  • 0.05% APY* if monthly qualifications are not met
  • Nationwide ATM fee refunds (up to $45 per month)**
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited check writing
  • Free check card
  • Free online banking with bill pay
  • Free direct deposit
  • Free telephone banking
  • Free mobile banking
  • Free eStatements
  • $50 deposit to open
  • FDIC insured


It's so simple to qualify for massive interest and ATM fee refunds**, you're probably already doing it! Just do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and clear
  • Receive eStatements
  • Have at least 1 automatic payment or direct deposit post and clear

If you don't qualify during a cycle, don't worry. You still have a free checking account that earns a base 0.05% APY*. Plus you can get right back to making 2.01% APY* and enjoying ATM refunds** the next cycle you qualify.

*Minimum to open account is $50. Annual Percentage Yield (APY) accurate as of 04/01/13. Rate tiers are as follows: 2.01% APY applies to balances of $0.01 - $10,000 and 0.32% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. As a result, the APY for balances above $10,000 will range from 2.01%-0.32% if qualifications are met each monthly qualification cycle, depending on the balance in the account. 0.05% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‚Äźbank transfers do not count as qualifying transactions. Available to personal accounts only. No monthly service fee. Monthly Qualification Cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM Fee reimbursements up to $45 provided only if qualifications are met within the monthly qualification cycle.

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