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  • Home
  • Business Banking
    • Business Checking
    • Business Card Services
    • Online & Mobile Banking
    • Remote Deposit
    • Savings/CDs/Money Markets
    • Business Loans & Financing
      • SBA
    • Treasury Services
      • Receivable Solutions
      • Accounts Payable
      • Reporting
      • Cash & Liquidity Management
      • Business Wire Transfers
      • Risk Management
    • Tools & Advice
      • Starting My Business
      • Buying A Business
      • Managing My Business
      • Growing My Business
    • Forms
  • Personal Banking
    • Personal Checking
    • Loans
    • Personal Savings, CDs and IRAs
    • Online & Mobile Banking
    • Mobile Deposit
    • Tools & Advice
      • Calculators
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      • Building and Supporting a Family
      • Buying/Improving a Home
      • Managing Your Finances
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      • Newsletters
    • Forms
    • Gulf Advantage Qualifying Cycles
  • Wealth Management
  • About TGB
    • Our Story
    • Our Team
    • Careers
      • How to Apply
      • Benefits
    • Community
    • News
      • Fact Sheet
      • Newsletters
  • Alerts
    • Avoid Covid-19 Financial Scams
    • Precautions Related to COVID-19
  • Help & Support
    • Contact Us
    • Locations
    • Report a Lost or Stolen ATM or Debit Card
    • Routing Number
    • View Rates
    • Calculators
    • How to Switch to TGB
    • How To Get a Tax ID
    • How to Set Up Direct Deposit
    • Consumer Complaint
    • What is FDIC Insurance?
    • Tools & Advice
      • Personal
      • Business
    • Forms
    • Privacy & Security
    • Get the TGB Mobile App
    • Sign Up for Mobile Banking
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    • Sign Up for Text Banking
    • What documentation do I need to apply for a loan or open an account?
    • Accessibility
  • Contact

Personal Banking

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Pesonal Banking Services

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

Details

No

Free basic checks, free cashier's checks, combined statements and safe deposit box discount 

No

No
Additional Account Information
Details
Details
Details
Other Possible Fees
Details
Details
Details
Details
Details
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

Details

Additional Account Information
Details
Other Possible Fees
Details
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
Details
Other Possible Fees
Details
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
Details
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
Details
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
Details
Other Possible Fees
Details

Additional Information

Fees that may apply
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
Monthly Card Fee (ATM or Debit card)  $1.00 per month, per account (Does not apply to the Gulf Advantage Checking or VIP High Yield Checking or the Gulf Rewards Checking)
Replacement / Lost ATM / Debit Cards  $5.00 each
Change PIN (Personal Identification Number) (ATM or Debit card)  No fee
Transaction Fees

Balance Inquiries / Withdrawals

Withdrawal at any of our locations (ATM or Debit card) No Fee
Balance inquiries at any of our locations (ATM or Debit card) No Fee
Withdrawal or Balance Inquiry at ATM locations we do not own or operate (ATM or Debit card) $2.00 each
Dollar limitations (ATM card) (Saturday, Sunday, & Monday are treated as one processing day. Cash withdrawals and point-of-sale transactions from all accounts per accountholder are combined for one $500.00 limitation.) $500.00 per processing day
Dollar limitations (Debit card) (Saturday, Sunday, & Monday are treated as one processing day. Cash withdrawals from ATMs $500.00 and point-of-sale $1,000.00. Transactions from all accounts per accountholder are combined for the $1,500.00 limitation.) $1,500.00 per processing day
Personal Checks
Check printing Fee depends on style and quantity of check ordered
Temporary checks $.50 each (limit 12)
Cashier's Checks
Customer $3.00 each
Money Orders
Customer $2.00 each
Non-customer Check Cashing
greater of $8.50 or 1% of check
Chargeback/ Returns
$10.00 each
Online Banking
No charge
Online Banking with Bill Pay
No charge
Outgoing Bank-to-Bank Transfers
$3.00 each
Garnishments
$25.00 plus attorney's fees
Subpoenas
$25.00 plus attorney's fees
Levies
$25.00 plus attorney's fees
Overdrafts/Non-Sufficient Funds
The categories of transactions for which an overdraft fee or NSF fee may be imposed are those by any of the following means: check, in-person withdrawal or transfer, or by electronic means, excluding ATM or one-time debit card transactions.
Overdraft paid item fee $30.00 each
Non-sufficient funds (NSF) return item fee $30.00 each
Maximum overdraft paid item/NSF return item fees $120.00 per day (both categories combined)
Courtesy threshold We do not charge an overdraft or NSF fee for de minimis transaction amounts ($5.00 or less)
Account Activity Printout
$3.00 each
Special Statement Cutoff
$5.00 each
Account Research
$30.00 per hour, minimum 1/2 hour
Account Balancing Assistance
$30.00 per hour, minimum 1/2 hour
Multiple or Conditional Signature Accounts
$25.00 per account per month
Balance Inquiry (no charge for Q-Line Automated Phone Banking)
$2.00 each
Activity Inquiry (no charge for Q-Line Automated Phone Banking)
$3.00 each
Telephone Transfer to and from Accounts (no charge for Q-Line Automated Phone Banking)
$5.00 each
Stop Payment
$30.00 each
Non-time Account Closed within 30 Days of Opening
$15.00 each
Domestic Wire Transfers
Customer Incoming $5.00 each
Customer Outgoing $25.00 each
Foreign Wire Transfers
Customer Incoming $10.00 each
Customer Outgoing $35.00 each plus correspondent bank wire charges
Collections
Incoming Customer $10.00 each
Outgoing Customer $12.00 each
Dealer Drafts
Incoming or outgoing $10.00 each
Lost Coupon Book
$10.00 each
Amortization Schedule
$10.00 each
Zipper Bags
Small $5.00 each
Large $7.00 each
Lock Bags (night depository)
$20.00 each
Strapped Currency
$.35 per strap
Rolled Coin
$.25 per roll
Deposit Corrections
$2.00 each
Photocopies
Customers $.25 each page
Non Customers $.50 each page
Safe Deposit Box
(annual rental - prices vary by size and location)
Key deposit $25.00 per box
Box Drilling $50.00 plus vendor's charges

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:

  1. At least 12 debit card purchase transactions that post and clear per monthly qualification cycle.
  2. At least one direct deposit or ACH automatic debit that posts and clears per monthly qualification cycle.
  3. 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.

Business Banking

  • Business Checking
  • Business Card Services
  • Online & Mobile Banking
  • Remote Deposit
  • Savings/CDs/Money Markets
  • Business Loans & Financing
  • Treasury Services
  • Tools & Advice
  • Forms

Personal Banking

  • Personal Checking
  • Loans
  • Personal Savings, CDs and IRAs
  • Online & Mobile Banking
  • Mobile Deposit
  • Tools & Advice
  • Forms
  • Gulf Advantage Qualifying Cycles

Wealth Management

  • Overview
  • Special Needs Trust - CPAs & Attorneys
  • Special Needs Trust - Parents

About TGB

  • Our Story
  • Our Team
  • Careers
  • Community
  • News

Help & Support

  • Contact Us
  • Locations
  • Report a Lost or Stolen ATM or Debit Card
  • Routing Number
  • View Rates
  • Calculators
  • How to Switch to TGB
  • How To Get a Tax ID
  • How to Set Up Direct Deposit
  • Consumer Complaint
  • What is FDIC Insurance?
  • Tools & Advice
  • Forms
  • Privacy & Security
  • Get the TGB Mobile App
  • Sign Up for Mobile Banking
  • Sign Up for Online Banking
  • Sign Up for Text Banking
  • What documentation do I need to apply for a loan or open an account?
  • Accessibility

Contact Us

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