Personal Comparison Chart
| Gulf Advantage Checking | Portside Checking (Non-Interest-Bearing) | Gulf Rewards Checking (Non-Interest-Bearing) | VIP High Yield Checking | Personal Gulf Stream Money Market | |
|---|---|---|---|---|---|
| Minimum Opening Deposit |
$50.00
|
$100.00
|
$100.00
|
$1000.00
|
$300.00
|
| Monthly Maintenance Fees |
$0.00 |
$7.00 |
$10.00 |
$10.00 |
$10.00
|
| Minimum Average Daily Balance to Avoid Monthly Maintenance Fee |
N/A |
$700.00 or age 62 or older |
$3000.00 combined in all your personal TGB accounts |
$2500.00 |
$2500.00
|
| Interest Bearing |
Yes
|
No
|
No
|
Yes
|
Yes
|
| Unlimited Check Writing | Yes | Yes, and with no excess debit fee if avg. daily balance is >/= $700.00 or you are age 62 or older; see Additional Account Info/Details link below | Yes | Yes | Yes |
| Visa® Debit Card Available |
Yes |
Yes |
Yes |
Yes |
No, but ATM card is available
|
| Free Online Banking with Free Bill Pay |
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
| Free Q-Line Automated Telephone Banking |
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
| Extra Rewards |
No |
Free basic checks, free cashier's checks, combined statements and safe deposit box discount |
No |
No
|
|
| Additional Account Information | |||||
| Other Possible Fees |
|
Gulf Advantage Checking
Minimum Opening Deposit
$50.00
Monthly Maintenance Charges
$0.00 Minimum Average Daily Balance to Avoid Monthly Maintenance Fee
N/A Interest Bearing
Yes
Unlimited Check Writing
Yes Visa® Debit Card Available
Yes Free Online Banking with Free Bill Pay
Yes
Free Q-Line Automated Telephone Banking
Yes
Extra Rewards
Additional Account Information
Other Possible Fees
|
Portside Checking (Non-Interest-Bearing)
Minimum Opening Deposit
$100.00
Monthly Maintenance Charges
$7.00 Minimum Average Daily Balance to Avoid Monthly Maintenance Fee
$700.00 or age 62 or older Interest Bearing
No
Unlimited Check Writing
Yes, and with no excess debit fee if avg. daily balance is >/= $700.00 or you are age 62 or older; see Additional Account Info/Details link below Visa® Debit Card Available
Yes Free Online Banking with Free Bill Pay
Yes
Free Q-Line Automated Telephone Banking
Yes
Extra Rewards
No Additional Account Information
Other Possible Fees
|
Gulf Rewards Checking (Non-Interest-Bearing)
Minimum Opening Deposit
$100.00
Monthly Maintenance Charges
$10.00 Minimum Average Daily Balance to Avoid Monthly Maintenance Fee
$3000.00 combined in all your personal TGB accounts Interest Bearing
No
Unlimited Check Writing
Yes Visa® Debit Card Available
Yes Free Online Banking with Free Bill Pay
Yes
Free Q-Line Automated Telephone Banking
Yes
Extra Rewards
Free basic checks, free cashier's checks, combined statements and safe deposit box discount Additional Account Information
Other Possible Fees
|
VIP High Yield Checking
Minimum Opening Deposit
$1000.00
Monthly Maintenance Charges
$10.00 Minimum Average Daily Balance to Avoid Monthly Maintenance Fee
$2500.00 Interest Bearing
Yes
Unlimited Check Writing
Yes Visa® Debit Card Available
Yes Free Online Banking with Free Bill Pay
Yes
Free Q-Line Automated Telephone Banking
Yes
Extra Rewards
No Additional Account Information
Other Possible Fees
|
|
Personal Gulf Stream Money Market
Minimum Opening Deposit
$300.00
Monthly Maintenance Charges
$10.00
Minimum Average Daily Balance to Avoid Monthly Maintenance Fee
$2500.00
Interest Bearing
Yes
Unlimited Check Writing
Yes
Visa® Debit Card Available
No, but ATM card is available
Free Online Banking with Free Bill Pay
Yes
Free Q-Line Automated Telephone Banking
Yes
Extra Rewards
No
Additional Account Information
Other Possible Fees
|
Additional Information
Balance Inquiries / Withdrawals
Note: Except as shown below*, deposits made during our business hours (of the branch where the deposit is made) will be posted the same day. Business hours vary from location to location and may be found in the Location Guide of our website,
www.texasgulfbank.com/locations.
*Deposits made to your account via debit card must be received by 2:00 P.M. CST to be reflected in your balance that same business day. Deposits made through Remote Deposit Capture or Mobile Deposit must be completed before 5:00 P.M. CST to be reflected in your balance that same business day. Transfers made using TGB Online/Mobile Banking or Q-Line Automated Phone Service before 8:00 P.M. CST will be reflected in your balance that same business day. Transfers or deposits made after the cut-off times shown, or on a Saturday, Sunday, or Federal holiday, will be reflected in your balance on the next business day we are open. More detailed information is available upon request. Contact us at 1-800-467-7216.
Gulf Advantage Checking - Additional Information
Gulf Advantage Checking is a FREE* interest-bearing checking account with a FREE Visa® Debit Card. To receive the higher interest rate and refund of up to $35.00 in ATM fees, you must meet three simple requirements (listed below). If one month you don't meet the requirements, you still earn a lower interest rate and have the opportunity to earn the higher interest the next month.
Account Requirements:
- At least 12 debit card purchase transactions that post and clear per monthly qualification cycle.
- At least one direct deposit or ACH automatic debit that posts and clears 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.
If all account requirements are met during the qualification cycle, your account earns the higher interest rate and ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction. Those fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. In no circumstance, however, will the maximum reimbursement exceed $35.00 per monthly qualification cycle. The qualification period is generally the statement cycle, but the specific cut-off date for transactions to qualify varies month to month; customers are advised of the actual date ahead of time via a monthly email.
*Accounts closed within 30 days of opening will be assessed a $15.00 fee each.
Portside Checking - Additional Information
An excess debit fee of $0.25 will be charged for each debit transaction in excess of 25 during a monthly statement cycle (does not include electronic funds transfers). This fee will not apply if the average daily balance is $700.00 or more for the monthly statement cycle. In addition, the fee will not be charged for individuals age 62 or older regardless of balance. Also, the monthly maintenance fee is waived for individuals age 62 or older, regardless of balance.
Gulf Stream Money Market - Additional Information
Transaction limitations: We prohibit transfers to third parties by POS (Point of Sale). No other transaction limitations apply to this account.
VISA® is a registered Trademark of Visa International Service Association.