Minimum Opening Balance

$1,000

Monthly Maintenance Fee

$12

Minimum Daily Balance

(to avoid maintenance fee)

$2,500

Minimum Daily Balance

to Earn Interest

$1,000

Interest Rate

·         Variable rate

·         Compounded monthly

·         Paid monthly

·         Balance Computation Method: The daily balance method applies a periodic rate to the collected balance in the account each day.

·         Accrual on Non-cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items.

Transaction Limitations

·         Federal Regulation D limits the transactions on your account to a maximum of six transfers and/or withdrawals by pre-authorized, automatic or Telephone/Internet transfers, check, draft, or debit card during each monthly statement cycle. Checks are counted as of the date they post to your account, not the date they are written. There are no regulatory restrictions on transactions at the ATM or teller window.

·         Excessive debit fee of $20 for each withdrawal after 6 per month. Amegy Bank reserves the right to close or reclassify your account if these limitations are exceeded on a recurring basis. Please refer to Amegy and You: Our Rules and Regulations Governing Accounts brochure for additional information on this account.

·         Customer assisted call, account transfer by phone, in excess of three (3) per month will be assessed a $5 fee.

Unique Features

·         Higher interest rate than regular money market accounts

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.

·         Transfer funds between your Amegy Bank account 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.