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Personal Deposit Products

We offer a wide array of products and services to help you achieve your financial goals. The following information describes the highlights of our personal banking products. Please contact your local bank location for full account requirements and restrictions.

Personal Checking Accounts

Free Checking Account

  • Enjoy unlimited transactions
  • No minimum balance and no service charges
  • Minimum opening deposit of $50
  • Your first check order is free
  • Includes overdraft privilege upon approval
  • ATM/Debit Card upon approval
  • Monthly Statements with NO images

Senior & Student Checking Account - For our customers age 55 and better or full-time students.

  • Enjoy unlimited transactions
  • No minimum balance and no service charges
  • Minimum opening deposit of $100
  • Includes overdraft privilege upon approval
  • ATM/Debit Card upon approval
  • Monthly Statements with images

Preferred Texan Checking Account - Enjoy multiple benefits with this special account (Preferred Texan is also available as a NOW Account)

  • Enjoy unlimited transactions
  • No minimum balance required
  • Minimum opening deposit of $100
  • FREE: Club Checks, Traveler’s Cheques
  • Fixed monthly service charge that includes: Accidental Death & Dismemberment Insurance
  • Discount on Safe Deposit Box rental, and many other discount coupons and benefits
  • Includes overdraft privilege upon approval
  • ATM/Debit Card upon approval
  • Monthly Statements with images

Personal Checking Account

  • Enjoy unlimited transactions
  • Maintain an average daily balance of $1500 or more, and there is no service charge
  • Minimum opening deposit of $100
  • Includes overdraft privilege upon approval
  • ATM/Debit Card upon approval
  • Monthly Statements with images

NOW Checking Account

  • Enjoy unlimited check writing on our interest bearing checking account
  • Maintain a minimum balance of $1500 to avoid service charges
  • Minimum opening deposit of $1500
  • Includes overdraft privilege upon approval
  • ATM/Debit Card upon approval
  • Monthly Statements with images

Money Market Account

  • Earn a higher interest rate on an account with limited check writing convenience
  • Maintain a minimum balance of $2500 to avoid service charges
  • Minimum opening deposit of $2500
  • Certain transaction limitations apply: Limit of six transactions per month; up to three of these can be by check
  • Monthly Statements with images

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Personal Savings

Basic Savings Account

  • Minimum opening deposit of $50
  • Maintain a minimum average daily balance of $300 to avoid service charges
  • Maintain a minimum average daily balance of $500 to avoid an activity fee charge
  • Certain transaction limitations apply
  • Earn interest compounded daily and credited to your account monthly
  • Monthly Statements with NO images

Money Management Account

  • Minimum opening deposit of $500
  • Maintain a minimum daily balance of $500 to avoid service charges
  • Certain transaction limitations apply
  • Interest is compounded and credited monthly
  • Earn interest indexed to the 13-week US Treasury Bill rate
  • Monthly Statements with NO images

Certificate of Deposit

  • Choose from a variety of CD’s ranging from 30 days to 3 years
  • Start with as little as $2500 initial deposit
  • Jumbo rates are also available
  • Penalty for early withdrawal
  • A 12-month IRA Certificate of Deposit is available for IRA contributions, transfers or rollovers

Debit Cards

MasterCard Check Card “Debit Card”

  • Our MasterCard Check card is both a debit card and an ATM access card
  • Can be used at a point of sale anywhere MasterCard is accepted such as Gas Stations, Restaurants, and Retail Merchants
  • Get cash from any ATM displaying the Pulse or Cirrus Logos.  Some fees may apply when using an ATM not owned by Ozona National Bank
  • Report a lost or stolen card – call 1-800-264-5578

 

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