Personal Banking

Texas Republic Bank is committed to providing personal banking services for our customers. We have all the services you would find at a big bank but with a small town focus.

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Texas Republic Bank provides several types of personal banking account types to accommodate your specific interests and needs, including checking accounts, savings accounts, CD’s, IRA’s, personal loans, and automated account transactions. The following table and links will aid you in comparing the account features, determining interest rates, and establishing new accounts with Texas Republic Bank.

Personal Accounts Features Chart

Free Star Checking Shooting Star Checking Super Star Checking 50+ Checking Gold Star Savings Gold Star Money Market
Minimum Deposit to Open: $50 $50 $50 $50 $50 $50
Minimum Balance to Avoid Fees: None $1,500
Minimum Daily Balance		 None None $200
Minimum Daily Balance		 $2,500
Minimum Daily Balance
Service Charge: None $10 per month if
balance falls below
$1,500 any day in month.		 $6.95/month None $6 per quarter if
balance falls below
$200 any day in quarter.		 $10 per month if
balance falls below
$2,500 any day in month.
Interest: None Compounded and credited monthly on daily balance. Minimum balance of $1,500 to obtain interest. None Compounded and credited monthly on daily balance Compounded and credited quarterly on daily balance. Minimum balance of $200 to obtain interest. Compounded and credited monthly on daily balance. Call your local branch for minimum balance requirement.
Debit Card: Upon approval. Upon approval. Upon approval. Upon approval. Upon approval. Upon approval.
Number of Transactions: Unlimited Unlimited Unlimited Unlimited Limited to 2 withdrawals
per month / additional withdrawals $2 each.		 Limited to 6 withdrawals
per month; additional withdrawals $5 each.
E-Statements with Check Images: Yes Yes Yes Yes No Yes
Online / Mobile Banking & Bill Pay: Yes Yes Yes Yes Yes Yes
Free Standard Checks: None Free/unlimited None First box free N/A N/A
Additional Benefits: None None
– Cell phone protection
– CyberScout® identity theft resolution
– Roadside assistance
– $10,000 accidental death insurance
– Shopping, dining and, travel discounts
– Only $6.95 per month
 None None None

Star Checking - Free Checking!

The Star Checking account is a free checking account with no monthly fees, no hidden service charges and an unlimited number of transactions.

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Shooting Star Checking

The Shooting Star Checking account introduces you to the outstanding benefits of banking with Texas Republic Bank. Your money keeps growing in this interest-bearing checking account, and as long as you keep your balance above $1,500, you will avoid the low maintenance fee.
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Gold Star Savings

The Gold Star Savings account is an easy and great way to get a return on your money without losing access to it. This account will enable you to save for a specific goal or just save for that “rainy day” in the future.
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Gold Star Money Market

The Gold Star Money Market account is a prudent way, through tiered interest rates, to make your money work harder and comes with plenty of benefits like Online Banking and Bill Pay. This account is ideal for consumers who want to write fewer checks and earn more interest, plus have the convenience of initiating online transfers to their checking account if needed.
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Please contact your local branch for wiring instructions: Frisco: (469) 731-1730, Richardson: (972) 685-2040, or Celina: (972) 382-0066x