5.00% Reward Checking Account at Texas Heritage National Bank - Local Only


Texas Heritage National Bank is offering a reward checking account called Texas Star Checking. The account has the following rates and features if certain monthly requirements are met:
  • 5.00% APY on balances up to $25,000
  • 0.50% APY on portion of balance over $25,000
  • 0.0% on all balances if requirements are not met
The monthly requirements include:
  • 15 debit card purchases
  • 1 direct deposit
  • Enroll in telebank and online banking
  • Valid email address
Additional features of the account regardless of the monthly requirements include:
  • $100 minimum initial deposit
  • Free online billpay
  • No monthly service charge ($10 if balance falls under $500)
  • E-statements with images (have their own consent process)
  • One account per social security number
A branch visit is required to open an account. Branches are located in the East Texas communities of Daingerfield, Omaha, Ore City and Sulphur Springs (75482).

The bank's ratings for safety and soundness are average: 3 stars (adequate) at BauerFinancial (based on 6/30/09 data) and 3 stars (performing) at Bankrate.com (based on 3/31/09 data).

Texas Heritage National Bank was established in 1892 has been a FDIC member since 1934 (FDIC Certificate # 3161).

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation or to learn more about these accounts, please refer to my High Yield Checking website.
Anonymous   |     |   Comment #1
No online forms, definitely local forever!
Anonymous   |     |   Comment #2
Even though texas claimed 4-5 5% club members, all local, some with $10K, some more restricted to small areas of Texas; so not a great state for RCAs, either.
Anonymous   |     |   Comment #3
Ha, 4% now... another out of the 5% club!!!