Trademarks: Trademarks used are registered and owned by their owners and Amegy Bank does not clain any ownership or exclusive rights to the use of these trademarks. + Minimum Balance/Combined Balance Requirements – In order to avoid a monthly maintenance fee, the minimum balance or combined balance requirement must be met. The monthly maintenance fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly maintenance fee will be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, Home Refinance, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts.
*Please refer to the Deposit Account Agreement, Deposit Rate Sheet and Personal Account Schedule of Fees available in the online Agreement Center, or speak with a banker for
1 Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact an Amegy banker for details.
2 Excessive Savings or Money Market Withdrawals – Federal banking regulations allow up to six (6) withdrawals by check, debit card, or pre-authorized, telephone, or computer transfer to another account or third party during a monthly statement cycle. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. An excessive withdrawal fee is assessed if you exceed your withdrawal limits during a monthly statement cycle. If the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account.
3 Online and Mobile Banking with Bill Pay: Mobile banking is included at no cost from Amegy Bank. Requires download of Amegy Bank App from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online banking. Subject to the terms and conditions of the Internet Banking Services Agreement. Some Online and Mobile features, including Bill Pay, may not extend to minors.
4 Premium Rate Tier – Premium rate tiers are applied automatically to qualified accounts when the primary owner of the checking account is also an owner of the linked interest- bearing account. Please see Consumer Deposit Rate Sheet for details.