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Personal Checking

Brenham National Bank offers a variety of personal checking plans to suit all of your needs. For more information, click on the "More" button on any account below. 

Then visit with one of our Personal Bankers who will assist you in opening the account of your choice.

Account Name Learn More Minimum Opening Deposit Monthly Service Charge Balance to Avoid Service Charge Minimum Balance to Earn Interest
Reward Checking $100 Free N/A N/A

Reward Checking

Reward Checking is Free Checking with Interest.

Additional Features

  • 1.00% APY on balances up to $25,000,  0.10% APY on balances over $25,000
  • ATM Fees refunded - Use any ATM you can find!  
  • Free Bill Payment
  • Free Debit Card
  • Free E-Statements
  • Free Total Access Internet Banking  
  • Unlimited checkwriting
  • Free EXPRESS 24-hour phone banking

To receive 1.00% APY* interest and ATM Fee refunds each month, we ask that you fulfill our DEAL:

  • Do 10 or more POS** Debit Card purchases that post and settle to the account during the measurement period.***
  • E-Statement - Be enrolled in and receive e-statement notice of electronic delivery of monthly statement. Requires valid email address.
  • ACH - have at least one 1 automatic payment (ACH) or Direct Deposit post and settle to the account during the measurement period.***
  • Login to Total Access Internet Banking (requires initial enrollment) at least once during the measurement period.***

If you meet the conditions of the DEAL,
Interest of 1.00% APY* will be paid on balances up to $25,000, any amount in excess of the $25,000 will earn interest at a rate of 0.10% APY*.
ATM Fees will be refunded at the end of the measurement period.

If the conditions for the DEAL are not met,
Interest will be paid at the rate of 0.05% APY* on the entire balance.
ATM Fees will not be refunded.

The interest rates are variable and subject to change.

Purchases are counted on the day that they post and settle to the account.

*APY = Annual Percentage Yield
**POS = Point of Sale
***Measurement period for Reward Checking is from the first business day of the month through the last business day of the month.

Reward Tunes $100 Free N/A N/A

Reward Tunes

Reward Tunes is FREE Checking with Free iTunes

Additional Features

  • ATM Fees refunded*** - Use any ATM you can find!
  • Free Bill Payment
  • Free Debit Card
  • Free eDelivery of Statements
  • Free Total Access Internet Banking

Bonus - $9.90 Download Refund Credit* at Signup, then $4.95 Download Refund Credit** every measurement period****

You can easily to earn $4.95 iTunes® download credit and ATM Fee refunds*** each measurement period**** if you:

  • Make 10 or more POS***** Debit Card purchases that post and settle to the account during the measurement period****
  • Be enrolled in and receive e-statement notice of electronic delivery of monthly statement. Requires valid email address.
  • Login to Total Access Internet Banking (requires initial enrollment) at least once during the measurement period****

If you meet the above conditions,
You will earn $4.90 iTunes® download credit and ATM Fees will be refunded at the end of the measurement period****.

If the above conditions are not met,
You will not earn any iTunes® download credit and ATM Fees will not be refunded.

 

Purchases are counted on the day that they post and settle to the account.

This program is not endorsed by iTunes® or Apple® nor is there any actual or implied relationship between the bank and Apple’s iTunes®

*Earn iTunes® download refund credit up to $9.90 with account opening. Must be used within 60 days.
** Earn up to $4.95 iTunes® download refund credit per measurement period**** if the above conditions are met .
***ATM fees up to $25 per cycle will be refunded at the end of each measurement period**** if the above conditions are met.

****Measurement period is from the first business day of the month until the last business day of the month.

*****POS = Point of Sale

Choice Checking $100 $7.50* $750 N/A

Choice Checking

Choice Checking is the only account that allows you to earn credits to reduce or eliminate the $7.50 monthly service charge.

Additional Features

  • BNB Debit Card - FREE
  • Total Access online banking - FREE  
  • EXPRESS 24-hour telephone banking - FREE

*Service Charge will be waived if the minimum daily balance exceeds $750.00

You may earn other credits toward the Monthly Service Charge as described below:

Monthly Service Charge Credits

  • Earn $1.00 on Monthly Service Charge by accepting statement via eDelivery.
  • Earn $0.20 credit on Monthly Service Charge each time Debit Card is used for a POS** purchase.
  • Qualification period is from the first business day of the month until the last business day of the month.

POS** purchases are counted on the day they post and clear the account.  

Just remember that there are simple ways to make that service charge disappear or decrease. If you maintain a minimum daily balance of $750.00, the entire service charge is waived.  Or, just simply use your debit card to make purchases (the monthly charge is reduced by $0.20 per cleared debit purchase) and if you sign up to receive eStatements you will receive a $1.00 credit every month toward the monthly service charge.

**POS = Point of Sale

Personal Plus $100 $10.00* $1500 N/A

Personal Plus

A checking account that pays a competitive rate of interest.

Additional Features

  • Interest paid monthly
    Click here for current Personal Plus Interest Rates
  • Unlimited checkwriting
  • Free BNB Debit Card  
  • Free Total Access online banking
  • Free EXPRESS 24-hour telephone banking
  • Itemized statement
  • Free e-statement - Just sign up through the online banking

Options

  • Power Pay Online Bill Payment @ $ 5.95/mo  
  • AD&D Insurance @ $ 2.00/mo
  • Safe Deposit Box Rental - See a personal banker for rates

*Service Charge will be waived if the minimum balance does not fall below $1,500 OR if the average balance does not fall below $3,000.

Ultimate 50+ $100 $7.50 $5,000 N/A

Ultimate 50+

A valuable package of premium banking services that rewards customers who are 50+ for having more of their total banking relationship with Brenham National Bank.

Additional Features

  • Minimum balance required to avoid Monthly Maintenance Fee:
    (Any combination of checking, savings or CD's (excluding IRA's) $5,000 Daily balance or $20,000 Average collected monthly balance)
    Click here for current Ultimate 50+ Interest Rates
    • Tier 1: $0 - $4,999 -
    • Tier 2: $5,000 - $14,999
    • Tier 3: $15,000 - $24,999
    • Tier 4: $25,000 and above
  • Unlimited transactions
  • Automatic Savings Plan
  • Free BNB Debit Card
  • Free personalized, wallet style bank stock checks
  • Free Money Orders and Cashier's Checks   
  • Free Notary Service
  • Deficit Balance Transfer available
  • Free Collection processing
  • Free Total Access online banking
  • Free EXPRESS 24-hour phone banking
  • Itemized monthly statement with deposit and check images
  • Free e-statement with images

Options

  • Power Pay online Bill Payment @ $ 5.95/mo
Momentum Money Market $100 $10.00 $2,500 N/A

Momentum Money Market

Momentum Money Market accounts combine great rates with convenient access to your funds.

Additional Features

  • Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle.
    Additional transactions - $15.00 each.
  • Four interest tiers reward higher balances
    Click here for current Momentum Money Market Interest Rates
    • Tier 1: $0 -$999
    • Tier 2: $1,000 - $4,999
    • Tier 3: $5,000 - $19,999
    • Tier 4: $20,000 and above
  • Interest paid monthly
  • Free Total Access online banking
  • Free EXPRESS 24-hour phone banking
  • Itemized statement with deposit & check images

Fees:

  • Monthly Maintenance Fee - $10.00 if monthly minimum requirements are not met.
  • Minimum daily balance to avoid monthly Maintenance Fee is $2,500

 

Classic Money Market $2,500 $25.00 $10,000 $25,000

Classic Money Market

Classic Money Market accounts combine great rates with convenient access to your funds.

Additional Features

  • Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle.
    Additional transactions - $15.00 each.
  • Six interest tiers reward higher balances
    Click here for current Classic Money Market Interest Rates
    • Tier 1: $25,000 -$49,999
    • Tier 2: $50,000 - $74,999
    • Tier 3: $75,000 - $99,999
    • Tier 4: $100,000 -249,999
    • Tier 5: $250,000 -$499,999
    • Tier 6: $500,000 and above
  • Interest paid monthly
  • Free Total Access online banking
  • Free EXPRESS 24-hour phone banking
  • Itemized statement with deposit & check images

Fees:

  • Monthly Maintenance Fee - $25.00 if monthly minimum requirements are not met.
  • Minimum daily balance to avoid monthly Maintenance Fee is $10,000

 

*Click on More to see notes on accounts.

To speak to one of our Personal Bankers:

In Brenham or Chappell Hill

Call 979-836-4571 or Toll Free at 888-292-4571

In College Station 

Call 979-693-9852 or Toll Free at 888-292-4571

The terms set forth in the "Rules & Regulations Governing Accounts" covers the operation of deposit accounts at Brenham National Bank. This disclosure is available from any Banker.

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