Amegy Advantage Personal                   Relationship Package

Relationship Banking Has Its Benefits

The Amegy Advantage Personal Relationship Package provides the products and services you need to help meet your financial goals.
  • Rewards – Get more benefits for your total banking relationship.
  • Flexibility – Choose the products and services that meet your needs.
  • Value – Interest Rate Premium, additional free or discounted services, and the opportunity to get cash back.

It's easy to enjoy the benefits of a total relationship, all you need is:

Have one of
 the accounts below
Select two (2) of the following
cash management tools:
Plus select one (1)
 of the following:
  • Amegy Bank Personal Checking Account
  • Online Banking
  • Debit Card
  • Credit Card*
  • Money Market
  • Savings
  • Loan or Line of Credit*
Then, choose to receive your statements electronically via eStatements or as a Combined Statement.
Balance Requirements**
Maintain one (1) of the following balance requirements:
Silver Level Gold Level
Primary Checking Account Balance $1,500
Minimum Daily Balance
$10,000
Average Monthly Balance

 or  or
Combined Balances on Consumer Deposits and Loans
$10,000 $30,000

 or  or
Monthly Maintenance Fee if balance requirements are not met: 1 $15.00 $25.00
Benefits Silver Level Gold Level
 No monthly maintenance fee on primary checking account
   
Interest Rate Premium on Savings, Money Market, and CD/IRA Accounts2
Free Amegy Bank Design Checks for primary checking account (ordered using Amegy's check vendor) 
Free ATM Transactions (international transaction fees will still apply)
2 per statement cycle 4 per statement cycle
Free Overdraft Deposit Transfer Fee 1 per statement cycle 1 per statement cycle
Free Cashiers Checks
Free American Express®Travelers Cheques
Free Savings Account – monthly maintenance fee is waived; (subject to excessive transactions fee per statement cycle)
Consumer Loan Discount3
Annual Cash Reward4
Waiver of Stop Payment fees
Waiver of Incoming Wire Fees
(domestic only)
Free Outgoing Wires
(domestic only)
2 per statement cycle
No annual rewards fee on one (1) Amegy Visa® Credit Card (on select cards)

Relationship Package Requirements: In order to qualify for the Amegy Advantage Personal Relationship Package (the “Package”), you must (1) maintain an active personal checking account; (2) maintain at least one of the following personal accounts: a money market account, a savings account, or a loan; (3) receive eStatements or combined statements; and (4) have two of the following services on your personal accounts: debit card, credit card or active online banking.

Limits: At any given time an account may be enrolled in only one Amegy Bank Relationship Package. In the event any of the Package requirements listed above are not met, all Package benefits will be forfeited.

*Subject to credit approval. Restrictions apply.

**Balance Requirements:

SILVER LEVEL: You must maintain a minimum daily balance of $1,500 in your designated primary checking account or $10,000 combined balance in your linked deposit, loan and credit card accounts (average balance in demand deposit accounts and current balance for time deposits, loans and credit card accounts) or you will be charged a maintenance fee of $15.

GOLD LEVEL: You must maintain an average monthly balance of $10,000 in your designated primary checking account or $30,000 combined balance in your linked deposit, loan and credit card accounts (average balance in demand deposit accounts and current balance for time deposits, loans and credit card accounts) or you will be charged a maintenance fee of $25.

  1. Maintenance Fee: In the event you do not meet the balance requirements, a monthly maintenance fee will be charged to your primary checking account: $15 for Silver Level; $25 for Gold Level. Delinquent credit card or loan balances will not be included in the combined balance.The minimum balance requirement and maintenance fees for any linked money market account are applicable. See the current pricing schedules to determine the balance requirements for the applicable money market type.
  2. Interest Rate Premium: An interest rate premium may be paid on each savings account(s), money market account(s) and/or CD/IRA account(s) as long as the Package relationship requirements are met. The Interest Rate Premium is additional interest that is added to the current published rate and paid when interest is normally paid on the account(s). Existing CD/IRAs are not eligible for the Interest Rate Premium until the next renewal period. An Interest Rate Premium will not be paid on personal checking accounts, Relationship Money Market accounts, and IRA Personal Premium Yield accounts. The Interest Rate Premium will be applied to all eligible open and active accounts enrolled in the Package. The Interest Rate Premium is subject to change at any time at the sole discretion of Amegy Bank.
  3. Interest Rate Reduction: You may receive an interest rate reduction on your eligible consumer loans (excluding mortgage loans). See your banker for consumer loan eligibility guidelines. The Interest Rate Reduction is subject to a cap of 0.50% when combined with all other rate reductions. The Interest Rate Reduction and Cap are subject to change at any time at the sole discretion of Amegy Bank.
  4. Cash Reward: A cash reward will be paid to your designated checking, savings or money market account provided the account is an interest bearing account.
    Cash Reward Period: The Amegy Advantage Cash Reward period begins on the first day of the month immediately following your enrollment into the package.
    Calculating the Cash Reward: The Amegy Advantage Cash Reward is calculated by determining the highest combined daily ledger balance of all accounts, excluding mortgage loans (subject to the Silver or Gold Cash Reward Balance cap) enrolled in Amegy Advantage each month during the Cash Reward period. The highest combined balance for each month is totaled and divided by twelve to arrive at the average combined monthly high balance to be used in the reward payment calculation. The Cash Reward Rate is then multiplied by the average combined monthly high balance to determine the amount of your Amegy Advantage Cash Reward payment. Mortgage loan balances are excluded from the calculation of account balances used in determining the Cash Reward.
    Cash Reward Balance Cap: Silver - $25,000 per linked account. Gold - $50,000 per linked account.
    Cash Reward Rate:
    Silver – 0.10%; Gold – 0.10%. The Cash Reward Rate is subject to change at any time at the sole discretion of Amegy Bank.
    Cash Reward Payment Frequency: The Cash Reward will be paid on an annual basis within thirty days of the yearly anniversary of the month you enrolled in the Amegy Advantage Relationship Package, provided you have met all of the package requirements.

Covered Accounts: All eligible accounts owned (individually or jointly) by the primary owner of the primary checking account will be automatically enrolled, if not enrolled in another relationship package. If the primary owner does not wish to have any account enrolled, you must notify us in writing indicating which account(s) should not be enrolled.

Statements: You will receive two (2) statements in the first month following enrollment as the Accounts require a statement cycle change to cause all enrolled Accounts to cycle on the same date.

Sharing of Account Information: By requesting Amegy Bank enroll and link the Accounts in the Package, each of you hereby consents to having your linked Account information shared with authorized signers on the primary checking account. Enrolling in the Package allows you to link related consumer accounts in which you have a direct ownership interest in order to qualify for Package benefits. Sharing your linked Account information with the authorized signers on the primary checking Account is necessary in order to answer questions, reconcile Package benefits and qualifications and provide overall customer support. Each of you hereby releases, acquits and forever discharges Amegy Bank or its affiliates, successors and assigns and the respective agents, representatives and employees and directors of each of them, and all persons, natural or corporate in privity with them, or any of them (the “Released Parties”), from any and all claims or causes of actions of any kind whatsoever, at law, statutory or otherwise, which you have or might have known or unknown, now existing or that might arise hereafter, arising from, or related to future losses sustained resulted from the linking of the Accounts and the sharing of Account information to the authorized signers on the primary checking account.