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Personal

Accounts

Our SSBT Banking Professionals can set you up with products and services that best fit your needs.

Contact us in person or online and see why we are known as “The Hill Country’s Bank Since 1941.”


Regular Personal Checking

  • Available to all individuals
  • Minimum deposit to open - $100.00
  • Minimum daily balance to avoid service charge fee - $500.00
  • Service charge fee based on minimum daily balance
  • Unlimited check writing privileges
  • Basic Online Banking and Unlimited Bill Pay
  • Monthly statement with check images
  • ATM/Debit Card – foreign ATM charges apply
  • 24 Hour Toll Free Customer Service
  • See Personal Account Service Charge Fees

Free Personal Checking

  • Available to all individuals
  • Minimum balance to open - $100.00
  • No monthly service charge fee
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Basic Online Banking and Unlimited Bill Pay
  • Monthly descriptive statements – no images or cancelled checks returned
  • Duplicate checks required – 1st 50 free with initial paid check order
  • ATM/Debit Card – foreign ATM charges apply
  • 24 hour Toll Free Customer Service
  • See Personal Account Service Charge Fees

Personal Interest Checking

  • Available to all individuals
  • Minimum deposit to open - $1,000.00
  • Interest bearing account
  • Interest compounded monthly and credited to the account monthly
  • Two Tiered rates
  • Basic Online Banking and Unlimited Bill Pay
  • 50 Free debit transactions monthly
  • $1,000.00 Minimum daily balance to avoid service charge fee
  • No service charge fee or excess transaction fee when a $7,500.00 average daily balanced is maintained
  • See Personal Account Service Charge Fees

Personal Money Market Accounts

  • Available to all individuals
  • Minimum deposit to open - $2,500.00
  • Interest bearing account
  • Interest compounded monthly and credited to the account monthly
  • Basic Online Banking
  • Minimum daily balance to avoid service charge fee - $2,500.00
  • Checks and online, or similar order payable to third parties, are limited to six (6) per month.
  • Transfer or withdrawals made in person, by mail or at an ATM have no monthly amount restriction
  • See Personal Account Service Charge Fees

Personal Savings Accounts

  • Available to all individuals
  • Minimum deposit to open -$50.00
  • Interest bearing account
  • Interest compounded monthly and credited to the account monthly
  • Basic Online Banking
  • No minimum daily balance requirement to avoid service charge fee
  • Two withdrawals per monthly statement cycle at no cost
  • See Personal Account Service Charge Fees

Security 55 Checking Accounts

  • Available to all individuals 55 years or older
  • Must have direct deposit of a payroll check, pension/retirement, social security or other government benefit
  • Minimum deposit to open - $100.00
  • Non-interest bearing account
  • No service charge fee
  • Basic Online Banking and Unlimited Bill Pay
  • No minimum balance requirement
  • ATM/Debit Card – foreign ATM charges apply
  • Free Checks – Two wallet style check orders per calendar year
  • Safe Deposit Discount – 1/2 price rent on 5 x 10 or smaller where available
  • Free Notary Service
  • See Personal Account Service Charge Fees