Share Draft (Checking) Accounts

At Trans Texas, we have the Share Draft (Checking) account you've been looking for! We offer many different selections tailor made to fit your needs. With competitive rates and great service, what more could you ask for. Come in today to open your own account here at Trans Texas!

*Minimum deposit of $50.00 required when opening any Share Draft (Checking) account.

Best of Texas
This account is FREE (no monthly service charges) when you have direct deposit. We will provide up to four boxes of Share Drafts (checks) free per year (designated checks only). Interest bearing on a three tiered balance.

Free services with Best of Texas:

  • Outgoing Wires (limit 2 per month)
  • Incoming Wires
  • Cashier’s Checks
  • Notary Public Service
  • No Stop Payment Fees
  • Traveler Cheques
  • Automatic Loan Payment Transfers
  • ACH/EFT Deposits or Transfers
  • Payroll Deductions
  • Direct Deposits
  • Overdraft Protection (from shares)

Best of Texas - Star
Great Account for those who are 50+

This account is FREE (no monthly service charges) when you have direct deposit. We will provide up to four boxes of share drafts (checks) free per year (designated checks only). Interest bearing on a three tiered balance.

Free services with Best of Texas - Star:

  • Outgoing Wires (limit 2 per month)
  • Incoming Wires
  • Cashier’s Checks
  • Notary Public Service
  • No Stop Payment Fees
  • Traveler Cheques
  • Automatic Loan Payment Transfers
  • ACH/EFT Deposits or Transfers
  • Payroll Deductions
  • Direct Deposits
  • Overdraft Protection (from shares)
  • 25 Basis Points Above Current CD Rate
  • 25 Basis Points Below Current Loan Rate

* (Some restrictions apply)

Best of Texas and Best of Texas Star
Effective July 31, 2003
SHARE DRAFT
RATE
APY**
$0000.01
0.50%
0.501%
$2000.01
1.00%
*0.501% - 1.005%
$5000.01
1.25%
*1.005% - 1.257%
  * Based on tier balance.
** APY is the Annual Percentage Yield and rates are subject to change.

Gold Star Account
This interest bearing Share Draft (checking) account pays dividends on a balance above $600.00. A $4.00 service fee will be assessed each month if the account falls below the minimum required balance. Your first box of share drafts (checks) are provided to you free of charge.

*Fees also apply to certain services with this account.

Gold Star
Effective March 31, 2005
SHARE DRAFT
RATE
APY**
$600.01
$600.01
1.01%
** APY is the Annual Percentage Yield and rates are subject to change.

Silver Star Account
Our economy account. No monthly fee! Simply $0.15 to clear each share draft (check). You must maintain a minimum balance of $5.00.

*Fees also apply to certain services with this account.

Silver Star Jr.

Are you a teen in high school that is ready for a checking account? Trans Texas offers the Silver Star Jr. account to young adults who meet the following criteria:

  • Must be at least 16 years of age;
  • Must be a high school junior or senior; and
  • Must have a parent or legal guardian as a joint owner on the account

Note to parents: The Silver Star Jr. account is a super way to teach your child financial responsibility.

Fee Schedule
Effective November 1 , 2008
NSF
 $25.00 per item, $25.00 per Debit Card transaction
Stop Payment Fee
 $20.00 per request(Best of Texas accounts exempt)
Share Draft (Check) Copy
 $3.00 per item
Share Draft/Check Printing Fee
 Prices vary depending on style
Gold Star Account Service Charge
 $4.00 per month if the account drops below $600.00
Silver Star Account Service Charge
 $.15 per share draft clearing
Money Market Service Charge
 $10.00 if the balance falls below $2,500.00 or if there are more than three (3) checks or six (6) withdrawals per month. (maximum service fee per month is $10.00.)
Overdraft Protection
 $2.00 per day of transfer(Best of Texas accounts exempt)
Teller-Assisted Phone Transfers
 $2.00 per assisted call
Other Service Fees (applicable to all accounts)
Application for membership
 $5.00 per application
Non-sufficient funds (NSF) fee $25.00 per item
Wire transfer (outgoing) fee $20.00 per item(Best of Texas accounts exempt)
Cashier check or share check fee $1.50 per item(Best of Texas accounts exempt)
Travelers’ cheques $1.00 per item for single signature, and $2.00 for cheques for 2 (Best of Texas exempt)
Transaction history printout $2.00 per item
Statement copy $5.00 per item
Account reconciliation or research $15.00 per hour, one hour minimum
Deposit item chargeback $10.00 per item
MasterCard cash advance $10.00 per item
MasterCard Gift Card $3.00 per item
Notice of Levy processing fee $5.00 per item
Drive-thru canister replacement charge $65.00 per item
Fax service (incoming or outgoing) $.75 per page
Non-member notary public service $2.50 per item
Debit MasterCard Fees
ATM terminal transaction fees $1.50 per withdrawal, $.50 per balance inquiry. Additional fees may be imposed by the ATM terminal
Additional fees may be imposed by the ATM terminal.
Card replacement fee $5.00 per card
Check Cashing Fees
May apply to accounts with a minimum balance
Up to $500.00 $5.00 per item
$500.01 - $1,000.00 $10.00 per item
$1,000.01 and up $15.00 per item
Safe Deposit Box Annual Fees
3 x 5 $15.00 per item
3 x 10 $25.00 per item
5 x 10 $35.00 per item
10 x 10 $60.00 per item
Charges for drilling a box $105.00 per item