Direct Deposit

We accept pre-authorized direct deposits from your employer or other financial institutions to your checking or savings account. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at 877.TEX.BANK (877.839.2265) to find out whether or not the deposit has been made.

Fees: None

ATM/Debit Card

You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs within the networks identified on your card and such other facilities as we may designate from time to time. At present you may use your card to (some of these services may not be available at all ATMs):

• Withdraw cash from your checking account
• Withdraw cash from your savings account
• Transfer funds between your checking and savings account
• Obtain balance information on your deposit accounts

Limitations on Frequency and Amount:

• You may make unlimited cash withdrawals from ATMs per day
• You may withdrawal up to a maximum of $500.00 (if there are sufficient funds in your account) per day
• For security purposes, there are limits on the frequency and amount of transfers you make at ATMs

Fees and Charges for ATM Transactions:

• Machine owners may impose their own fee
• There is a replacement card fee of $5.00 per card (ATM Safety)

Personalized Checks

Personalized check prices vary according to the design and check style you choose. Prices range from $12.00 to $30.00. Designer checks can be ordered at an additional cost.

Monthly Statements

Periodic Statement: You will get a monthly account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a quarterly statement on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a pre-authorized deposit.

Terminal Receipt: You can get a receipt at the time you make any transfer to or from your account using one of our ATMs terminal.

Fee: None

Stop Payment/Electronic Payments

Stop Payment Rights: If you have told us in advance to make regular electronic fund transfers out of your account(s), you can stop any of these payments. Here's how: Call us or write to us at the telephone number or address provided, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

Notice of Varying Amounts: If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Liability for Failure to Stop Payment of Pre-authorized Transfers: If you order us to stop these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Review Funds Availability Policy

Fee: $25.00 per stop payment request

Electronic Payments

You may arrange for us to complete pre-authorized recurring billpays from your checking or savings account.

Fees: None

Miscellaneous Services and Fees

Official Check
Customer:	$3.00
Non-customer:	$10.00
Money Orders (Maximum amount $1,000)
Customer:	$2.00
Non-customer:	$5.00
Collection Items
Outgoing:	$10.00
Incoming:	$10.00
Traveler's Cheques
For Two Signers:	1.5% of purchase
For Individual Signers:	1% of purchase
Gift Cheques:	$2.50/Cheque
Wire Transfers
International-incoming:	$20.00
International- outgoing:	$40.00 plus receiving bank charges (if applicable)
Domestic-outgoing:	$15.00 plus receiving bank charges (if applicable)
Other Miscellaneous Fees
Administration Fee - Garnishments:	$50.00 per occurrence
Administration Fee - Tax Levies:	$50.00 per occurrence
Temporary Checks:	$3.00 per 10
Bond Coupon Redemption:	$10.00 per issue
Statement Hold:	$5.00 per statement per cycle
Account History:	$3.00 per request (Instant Statement)
Special Statement:	$5.00 per cut off
Check Copies	$3.00 per copy
Statement Copies:	$3.00 per copy
Account Research:	$25.00 per hour (1 hr minimum)

Capital TeleBank

Your accounts are always accessible with Capital TeleBank!

• 24-hour banking convenience
• Easy transfer between accounts
• Loan Payments
• Faxed statements on request
• Private easy and convenient banking from your touch tone phone

1. Dial Capital TeleBank Toll Free @ 877.839.2760
2. Enter your four-digit security code
3. Enter your customer number
4. Follow the menu below to complete your transaction

Fee: None