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Want to bank smarter?  Then it’s time to combine your checking account and savings account with Smart Yield checking.  Open an account today and you’ll get all the perks of modern-day checking and a rate as strong as the bank that’s offering it.  And that’s just plain smart.  Please refer to the “Account Features” listed below for account requirements.  For further assistance or questions, please contact a New Web Account Specialist at 888-319-4420 between 8:00 a.m. through 7:00 p.m. CT, Monday through Saturday.

 

 Account Features:  
 

Benefits No monthly service charge No minimum daily balance No per-check charge Free Visa® Check Card Higher rates that are competitive with other money market accounts Unlimited free ATM transactions from any    nationwide ATM (includes only the Amegy Bank fee and additional surcharges that may be assessed by other ATM owners) International transaction (out of the U.S.) fees will still apply. Minimum Opening Balance $50.00 if opened at an Amegy Banking Center $1,000 if opened online Monthly Maintenance Fee        None Minimum Daily Balance (to avoid maintenance fee)        None Interest Rate   To earn the advertised APY please refer to    Account Requirements below.  Tiered rates of   interest:   1)       The portion of your balance that is less than or equal to $25,000 each statement cycle: highest rate;    2)       That portion of your balance greater than $25,000 each statement cycle: competitive rate;                Blended rate: For accounts that meet the       requirements, the APY will range       between these two tiers depending on       the balance in the account.   3)       If Account Requirements below are       not met each month: lowest rate on       entire balance in the account.       Interest Compounding/Frequency of Credit to Account Monthly/Monthly Transaction Limitations None Account Requirements To earn the advertised APY, the following product requirements must be met each month the day before the statement cycle ends. All statements for this account will be generated on the last processing day of the month. Processing days do not include weekends and Federal Holidays. If the last processing day of the month is the 30th, product requirements must be met by the 29th. If the 29th is a Saturday,  requirements must be met by the 28th.If any of the following requirements are not met each month the day before the statement cycle  ends, a lower APY will be paid on the entire balance for the statement cycle: One (1) direct deposit of payroll, social security check or retirement benefits or two (2) ACH debits; Must have an Amegy Bank Visa Debit Card and have at least 10 net signature based transactions posted to your account (Net signature-based transactions posted equals signature-based debits minus signature-based credits.  Does not include ATM transaction or purchases made using your PIN); Receive monthly e-Statements which are    automatically provided; a fee of $10 per month will be charged for paper statements; Enroll in Bank-at-Home Online Banking and log in at least one time per month; and A valid email address. Account Access Monthly eStatements are required and are provided automatically online within Bank-at-Home; a fee of $10 per month will be charged for paper statements.  To avoid the $10 monthly charge, you must complete the opt-out process within Bank-at-Home at least two business days prior to your first statement cutoff date. Free Bank-at-Home online banking.  You will need a web browser such as Netscape 6.0 or Microsoft Internet Explorer 5.0 or higher that supports 128-bit encryption. Free Accessline, telephone banking. Transfer funds between your Amegy Bank accounts and your accounts at other financial institutions within Bank-at-Home.  Transfers between Amegy accounts and incoming transfers from other financial institutions are FREE.  Outgoing external transfers are $2.50 per transfer.