Account Fees

• Five or less: no charge
• Six or more: $1 per page (up to 12 images per page)
• Statement Research: $20 per hour

• $2 per statement or $10 for one year, without images
  
• $5 per statement or $60 for one year, with images

• Telephone Transfers: no charge
  

• Incoming: $5
  
• Outgoing: $20
  
• Outgoing International (with currency exchange): $40

• Transfers are made from another TBT account to the overdrawn checking account (in increments of $25.00) for the amount of the overdraft.
• A $5.00 sweep transfer fee will be deducted from the credited account.
• Insufficient charges will not be deducted from the overdrawn checking account.

• Check Orders: Price may vary depending on style
  
• Temporary Checks: $5 for 8 checks
  
• Cashier's Check (customer only): $3
  
• Gift Cards (customer only): $3

• Chargebacks: $5 each
  
• Stop Payment: $30 each
  
• Return Item Fee:  We may charge a non-sufficient funds when there are not enough funds in an account to cover an item, created by check, in-person withdrawal, ATM withdrawal, or other electronic means, returned due to insufficient funds:
  • $30 each with limit of $120.00 per day
• Overdraft Item Fee:  We may charge an overdraft fee when there are not enough funds in account to cover an item, created by check, in-person withdrawal, ATM withdrawal, or other electronic means.  Fees are based on item amounts and limited to $120.00 per day:
  • $0 - $10.00:  $0 fee
    
  • $10.01 - $20.00:  $10.00 fee
  • $20.01 - $30.00:  $20.00 fee
  • $30.01 or above:  $30.00 fee

Online/Mobile Banking:  no charge

Bill Pay Service:  no charge

eStatements:  no charge

eStatements and Paper Statements:  $3 to each enrolled account

Accounts Closed (within 90 days of opening):  $25

Safe Deposit Box
Safe Deposit Box rental: determined by box size, all boxes are 23 1/2 inches in length

(There is a $5 discount if the annual fee is auto debited from a TBT account.)

Safe Deposit Box Late Fee (after 30 days): $10
Key Deposit (refundable when both keys returned): $15

Notary Services (customers only):  no charge

Government Reclamation Fee - $50
Levy/Garnishment/Government Freeze Fee - $100

After Hours Depository:  $15 one-time lock bag fee; $2.50 for replacement keys

Monthly Debit Card Fee…………………………………Varies by Account Type

Replacement Card.......................................................................... $5

Express Shipping (Domestic U.S. only).........................................$25

Foreign Transaction Fee¹………………………1.0% of transaction amount

¹International transactions will be subject to 1.0% fee imposed by Visa®

TB&T or Allpoint ATMs……………….................................No Fee

Non-TB&T or Non-Allpoint ATMs²:

Balance Inquiry............................................................................... $0.75

Transfer........................................................................................ No Fee

Withdrawal (per transaction)......................................................... $2

² Foreign ATM terminals may impose an additional surcharge

Check Orders……………………………....Pricing Varies due to style

Temporary Checks…………………………………....$5 for 8 checks

Cashier’s Check (customers only)................................................... $3

Gift Card (purchase fee)................................................................. $3

Chargeback.................................................................................... $5

Stop Payment................................................................................. $30

Return Item (unpaid due to insufficient funds)............................$30

• Applies to items such as checks, withdrawals, debit card/ATM transactions, and other electronic means

 

Item Amount	Fee Amount
$0 - $10.00	$0
$10.01 - $20.00	$10.00
$20.01 - $30.00	$20.00
$30.01 or above	$30.00

Overdraft Item....................................................................................... based on item amount

• Applies to items such as checks, withdrawals, debit card/ATM transactions, and other electronic means

digital services:

Bill Pay Services……………………………………...……Varies by Account Type

Statements (both electronic and paper)……………………..$3 per account

• Texas Bank and Trust does not charge a fee for electronic or paper statements unless you require both for an account.

Check Copies (per page)............................................................... $1

Account/Statement Research (per hour).......................................$20

Statement Copies (per statement)..................................................$5

Safe Deposit Box Rental………………………...Determined by box size

Late Payment Fee (applied after 30 days).................................$10

Key Deposit (refundable when both keys are returned)..........$15

Key Replacement Fee....................................................................$15

Drilling Fee.................................................................................... $175

Telephone Transfers................................................................... No Fee

Wires:

Incoming Domestic........................................................................... $5

Incoming International.....................................................................$15

Outgoing Domestic..........................................................................$25

Outgoing International (with currency exchange).....................$40

Digital Wires.................................................................................. $10

 

Early Account Closure (closed within 90 days of opening)………$25

Returned Mail Fee......................................................................................$5

Foreign Currency Order Fees:

TBT Processing Fee......................................................................................$5

UPS Shipping Fee……………………………………………………................$12.50

Foreign Currency Minimum Fee (for orders under $1,500)……………$12.50

Collections:

Customer Drafts.............................................................................. ........$10

Dealer Drafts.......................................................................................................$15

Notary Services (customers only)................................................. No Fee

Government Reclamation.............................................................. $50

Levy/Garnishment/Government Freeze...................................... $100

Zipper Bag (customers only)........................................................... $5

Zipper Bag with Lock..................................................................... $15

Change Order:

Currency Strap............................................................................... $0.15

Coin................................................................................................................$0.10

Update to Terms and Conditions Overdraft Addendum

Section: Payment Order of Items - Effective May 1, 2025

The payments you authorize against your account may not be presented to us in the order in which you authorized them. The order in which items are presented may affect the amount of overdraft fees you incur. When processing items drawn on your account, our policy is to pay them according to the Tran Code priority and the dollar amount. Holds placed on your account for pending electronic transactions, such as hotel or rental car deposits and authorized point-of-sale debit card transactions (pay at the pump, etc.), reduce your available balance and may cause your account to become overdrawn. The payment order can affect the number of items overdrawn or returned unpaid and the amount of fees you may have to pay.

To assist you with managing your account, we are providing you with the following information regarding how we process those items.

Cash withdrawals and equivalents, Checks cashed, Real Time items (ex. Zelle, FedNow, Real Time Payment (RTP), etc.), Wires, Priority Debit items (force post and adjustments), and ATM withdrawals.

1. Account-to-Account Transfers (includes digital and transfers made at ATM’s), On-us checks deposited at Texas Bank and Trust, and Debit Card transactions (Point of Sale  (POS) lowest to highest amount by Tran Code and card).
2. Automated Clearing House (ACH) items including bill pay ACH items (lowest to highest amount). This excludes any bill pay item that is paid and cleared by check.
3. Checks debited in the following order: Checks with no serial number, ACH items converted to Check, and Inclearing Checks (lowest to highest by serial number).  This includes Bill Pay items paid and cleared by check.
4. Account service fees. 

The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no posting procedure that is favorable in every instance. If the smallest items are paid first, you may have fewer fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. However, if the largest items are paid first, your most important items might be paid but it may increase the fees if funds are not available to pay all of the items. We think our posting procedure attains a reasonable balance between minimizing additional cost to you and paying your more important items. 

The law allows us to process your account transactions by any method and in any order that we consider reasonable. We may change the method or order at any time without notice to you.