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Personal Checking

Texas Gulf Bank offers a wide variety of personal checking accounts to suit your banking needs. Whether you want unlimited check writing, an account that pays interest or tools to manage your money, we have an account that will be an ideal match for you. To open your checking account today, visit any Texas Gulf Bank location or contact us via e-mail or telephone.

Gulf Advantage Checking

Earn interest on a free* interest-bearing checking account that pays a favorable interest rate on balances up to $25,000.00 and refunds nationwide ATM fees up to $35.00 per month. These rewards are given monthly when you meet the following requirements:

  • At least 12 debit card purchase transactions must post and clear per monthly qualification cycle
  • Have at least one Automatic payment or Direct Deposit post and clear per monthly qualification cycle
  • You must be able to accept electronic delivery of your monthly bank statement and agree to do so, in lieu of receiving a paper statement

This account also includes a free Visa® Debit Card. Click on Account Details for more information. The Gulf Advantage is limited to one account per social security number.

*Accounts closed within 30 days of opening will be assessed a $15.00 fee. NSF Return Item Fees &/or Overdraft Paid Item Fees may apply.

Account Comparison Chart | Open Account | Gulf Advantage Qualifying Cycles

Personal Portside Checking (Non-Interest-Bearing)

Equipped with tools that make it easy to manage, this account includes unlimited check writing and itemized reporting designed to help you keep track of your cash flow. Maintain an average daily balance equal to or greater than $700.00 and there is no monthly maintenance fee for this account.

Note: After 25 debits per monthly statement cycle, a 25 cent fee per debit may apply (does not include electronic funds transfers). Debit fee n/a if an average daily balance is equal to or greater than $700.00.
Both the monthly maintenance fee and the debit fee are waived, regardless of balance, for individuals age 62 or older.

Account Comparison Chart

Gulf Rewards Checking (Non-Interest-Bearing)

Link your checking account to all your personal accounts with Gulf Rewards Checking. Maintain a $3,000.00 combined balance between all your personal accounts (as of the end date of the Gulf Rewards Checking monthly statement cycle) and there is no monthly maintenance fee on Gulf Rewards Checking. With Gulf Rewards Checking you will receive a single, easy-to-read monthly statement that recaps the activity in every personal account you hold at Texas Gulf Bank. Gulf Rewards Checking also provides you with free specialty mint wallet checks (1 box per order), free cashier’s checks and a 10% discount on safe deposit box rental.

Account Comparison Chart

Personal Money Market

Earn interest while maintaining the liquidity of your money. Our Personal Money Market Account is a tiered account, which means that the more money you have on deposit, the higher the interest rate you can earn. This can help you make more from your deposited dollars when you have larger balances. See additional Account Information/Details link for transaction limitations and associated Debit Fees in connection with this account.

Account Comparison Chart | Open Account

VIP High Yield Checking

Make your checking dollars work harder with our VIP Checking Account. Enjoy all of the privileges of personal checking with no transaction limitations, and reap the benefits of an interest bearing account with variable interest rates paid monthly. Even better, the rates are tiered. The higher the balance you maintain in your account, the higher the interest rate you can earn.

Account Comparison Chart | Open Account

Texas Gulf Bank Service

Our personalized, friendly customer service is standard to all Texas Gulf Bank account holders, as is the convenience of flexible banking options that fit your lifestyle. Our customers enjoy convenient, free* online banking, mobile banking and Q-line automated telephone banking. Also take advantage of Wallet App Payment solutions. Bank when you need to; anytime, anywhere!

*Like online banking and Q-line automated telephone banking, mobile banking is free; however, depending on your mobile service provider — you may be charged web access rates, standard text messaging rates or data transfer fees. Check with your wireless service provider for details on your specific plan.

Contact Texas Gulf Bank at 1-800-467-7216 to obtain a Truth-In-Savings/ Reg DD disclosure of terms, conditions, fees and rate information for all accounts.

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