Checking Accounts

• FREE TEXAS CHECKING *       
  $50.00 minimum to open with no per item charges
  No per item charge
  Unlimited check writing
  No monthly service fee
  Free Online Banking and Free Bill Pay
  Free VISA ATM/DEBIT CHECK CARD

• NOW CHECKING *
  $100.00 to open with no per item charges
  $1,500.00 & Over     N/C
  $1,499.99 & Below   $12.00 / Mo.
  Interest rate can change daily without notification

• REGENCY CHECKING
  $100.00 to open with no per item charges
  No minimum balance requirement
  Unlimited check writing
  Must be 55 or older to qualify
  $100.00 minimum to open with no per item charges
  FREE:   Personalized Checks
               Notary Service

• BUSINESS CHECKING
  $100.00 minimum to open
  $2,000.00 & Over     N/C
  $1,999.99 & Below   $20.00/Mo.
  Checks in excess of 50 per month - .25 per item.
  

• TEXAS SMALL BUSINESS CHECKING
  $100.00 minimum to open
  Items in excess of 200 per month - .25 per item.
  No minimum balance requirement

• BUSINESS ANALYSIS ACCOUNT
  $100.00 minimum to open
  Monthly Service Charge - Based on account analysis
  Transaction Fees - Based on transaction volumes