Welcome to the free high interest checking account that pays you back, without asking for a monthly fee.

You'll get 2.50% APY* and ATM fee refunds nationwide, just for doing a few everyday things you most likely do already.

So whether you're in Giddings, Bastrop, or beyond, stop dealing with fees and start getting rewarded with Reward Checking!

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Account Terms & Conditions

Classic Bank is a community bank serving the residents of the state of Texas. On-line account opening is available only to residents of Texas.

  • The 2.50% APY* is paid on amounts up to and including $15,000.99 when qualifications are met
  • 0.60% APY* for amounts over $15,001.00 when qualifications are met
  • If monthly qualifications aren't met, you still earn 0.05% APY*
  • Nationwide ATM fees automatically refunded
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free Visa® CheckCard
  • Free Internet Banking & Bill Pay
  • Unlimited transactions
  • $750 Overdraft Bounce Protection
  • $100 minimum to open
  • FDIC insured

*APY = Annual Percentage Yield. See "Account Terms and Conditions Info" tab above for more details.

To receive the high Annual Percentage Yield and ATM fee refunds nationwide, simply perform these everyday activities each monthly qualification cycle:

  • Receive e‐statement OR Receive and review e‐statement
  • Have at least 10 debit card purchases post and clear
  • Have at least one automatic payment or direct deposit post and clear
  • Provide and maintain a valid email address


Available on personal accounts

Nationwide ATM fees automatically refunded when monthly qualifications are met.

Earn 2.50% Annual Percentage Yield (APY) on balances up to $15,000.99 and 0.60% APY on balances over $15,001.00 and refund of ATM fees when you meet the following qualifications: have at least ten (10) Visa Check Card Point of Sale (POS) transactions (excludes ATM transactions) post and clear; provide and maintain a valid email address; receive your monthly statement electronically and pay one bill via auto draft or have a direct deposit per monthly qualification cycle. When eligibility qualifications are not met, you will earn 0.05% APY on entire account balance and nationswide ATM fees will not be refunded. APY accurate as of December 9, 2014 and may change after the account is open. $100.00 minimum balance to open account. Bounce Protection limit is granted after account has been in good standing for 30 days. Bounce Paid Overdraft item fee of $25.00 imposed for each Bounce Paid Overdraft item. A fee may be imposed for paying overdrafts created by check, in-person withdrawal, ATM, POS, or other electronic means. You must bring account to a positive balance at least every 30 days. Typically, overdrafts will not be paid if account is not in good standing, you are not making regular deposits, or you exceed the predetermined Bounce limit. Payment of overdrafts is discretionary and we reserve the right not to pay.