Phone: (254) 697-6461

REWARD CHECKING

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

You'll get 3.56% 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!

View Rates

OAC Terms & Conditions

Summary

The 3.56% APY* is paid on amounts up to and including $15,000.99
1.01% APY* for amounts over $15,001.00
If monthly qualifications aren't met, you still earn 0.10% APY*
Nationwide ATM fees automatically refunded
No minimum balance
No monthly maintenance fees
Unlimited checkwriting
Free Visa^® CheckCard
Free Internet Banking & Bill Pay
Unlimited free checking
Unlimited transactions
$750 Overdraft Bounce Protection
$100 minimum to open
FDIC insured

*APY = Annual Percentage Yield. See "More Information" tab above for more details.

Qualifications

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

Accept free electronic statements
Use VISA Check Card 10 times per month (excluding ATM withdrawals)
Make at least one direct deposit into or direct withdrawal from your account per statement cycle
Provide and maintain a valid email address

Note:

Available only to Consumers

ATM fees automatically refunded when monthly qualifications are met.

Disclosure Info

Earn 3.56% Annual Percentage Yield (APY) on balances up to $15,000.99 and 1.01% APY on balances over $15,001.00 and refund of ATM fees when you meet the following qualifications: at least ten (10) Visa Check Card Point of Sale (POS) transactions (excludes ATM transactions); provide and maintain a valid email address; receive your monthly statement electronically and pay one bill via auto draft or have a direct deposit. When eligibility qualifications are not met, you will earn 0.10% APY on entire account balance. APY accurate as of February 12, 2010 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.