Accounts

** Mobile Safeguard Member Benefits –only $5.00 per month per account – available for each account

Texting and Email Driving Solution, Emergency Alerts, Track any Phone, Geo-Fencing Alerts, Phone Blocker, Speed Control, Wipe and Lock Phone, Mobile Wallet, $10,000.00 Accidental Death & Dismemberment Insurance, Travel Assistance Services, Identity Theft 911-Lifestages.

Deposit Products

ADVANTAGE CHECKING
BASIC CHECKING
CLASSIC CHECKING
SUPER NOW CHECKING
MONEY MARKET CHECKING
SAVINGS
CDs
IRAs

Eagle IconAdvantage Checking (Click the Eagle icon to apply for a new account.)

  • Minimum balance to open account – You must deposit $100.00 to open
    this account.
  • Unlimited check writing – You do not incur a per check fee
  • $30,000.00 AD&D Insurance – You have Accidental Death or
    Dismemberment insurance (AD&D), split between the account signers, and
    $1,500.00 AD&D on each dependent child.
  • $100,000.00 AD&D Common Carrier Insurance/$3,000.00 on dependent
    children.
  • LifeLock Identity Theft Service – SEPARATE ENROLLMENT REQUIRED. You
    may enroll in one free basic LifeLock membership per household. More memberships
    can be purchased for other account signers.
  • ID Theft 911 – Lifestages – If identity theft happens to you, call
    Identity Theft 911. A fraud specialist is assigned to help you resolve your
    problem from start to finish.
  • Vision Care Savings – You can save 10% to 60% on vision care. (This
    is not insurance)
  • Shopping, Travel and Entertainment Discounts – Save up to 50% on
    brand name product, movies and travel, by phone or online. See brochure for
    details. Hotel/Motel and car rental discounts are also included.
  • Life Steps Living Family Journal – estate organizing software
  • Debit Card – Your first Debit Card for each account signer will be
    with no issue fee. Your card will expire three years from the issue date. You
    will receive an automatic replacement of that card with no issue fee during the
    last week of the expiration month shown on the card. Any other requests for a
    new card or a change of Personal Identification Number (PIN) will have a
    replacement fee.
  • Debit Card Transactions – We do not charge a fee if you use our ATMs.
  • NO FEE Internet Banking You can check your balance, make transfers,
    and view statements.
  • NO FEE Mobile Banking – Enrollment is available when you sign up on
    Internet Banking.
  • NO FEE Online Bill-Pay – You can pay your bills online, either single
    payments or repetitive payments.
  • One Box of “Advantage Checking” checks - You will receive one box of
    Advantage Checks at no charge per calendar year.
  • Monthly Service Charge – Your monthly service charge will be $8.00 if
    you receive only E-Statements. Your monthly service charge will be $10.00 if you
    receive paper statements.
  • Mobile Safeguard Member Benefits - CAN BE ADDED TO THE ACCOUNT FOR A
    SMALL MONTHLY FEE. See our Mobile Safeguard brochure for the details.

 

Eagle IconBasic Checking (Click the Eagle icon to apply for a new account.)

  • Minimum balance to open account – You must deposit $100.00 to open
    this account.
  • Unlimited check writing – You do not incur a per check fee.
  • Debit Card – Your first Debit Card for each account signer will be
    with no issue fee. Your card will expire three years from the issue date. You
    will receive an automatic replacement of that card with no issue fee during the
    last week of the expiration month shown on the card. Any other requests for a
    new card or a change of Personal Identification Number (PIN) will have a
    replacement fee.
  • Debit Card Transactions – We do not charge a fee if you use our ATMs.
  • NO FEE Internet Banking - You can check your balance, make transfers,
    and view statements.
  • NO FEE Mobile Banking – Enrollment is available when you sign up on
    Internet Banking.
  • NO FEE Online Bill-Pay – You can pay your bills online, either single
    payments or repetitive payments.
  • Monthly Service Charge – Your monthly service charge will be $5.00 if
    you receive only E-Statements. Your monthly service charge will be $7.00 if you
    receive paper statements. You can avoid the monthly service charge
    if you maintain a daily balance of $500.00 during the statement cycle or have a
    deposit relationship in other accounts with us of at least $15,000.00.
  • Mobile Safeguard Member Benefits - CAN BE ADDED TO THE ACCOUNT FOR A
    SMALL MONTHLY FEE. See our Mobile Safeguard brochure for the details.

 

Eagle IconClassic Checking (Click the Eagle icon to apply for a new account.)
Customers of age 62 or older

  • Minimum balance to open account – You must deposit $100.00 to open
    this account.
  • Unlimited check writing – You do not incur a per check fee.
  • No Monthly Service Charge – There will not be a monthly service
    charge on this account.
  • Debit Card – Your first Debit Card for each account signer will be
    with no issue fee. Your card will expire three years from the issue date. You
    will receive an automatic replacement of that card with no issue fee during the
    last week of the expiration month shown on the card. Any other requests for a
    new card or a change of Personal Identification Number (PIN) will have a
    replacement fee.
  • Debit Card Transactions – We do not charge a fee if you use our ATM.
  • No Fee Internet Banking - Check your balance, make transfers, and
    view statements at any time.
  • No Fee Mobile Banking – Enrollment is available when you sign up on
    Internet Banking.
  • No Fee Online Bill-Pay – You can pay your bills online, either single
    payments or repetitive payments.
  • One Box of “Classic Checking” checks - You will receive one free box
    of “Classic” checks per calendar year, then a discounted rate on additional
    boxes.
  • Mobile Safeguard Member Benefits - CAN BE ADDED TO THE ACCOUNT FOR A
    SMALL MONTHLY FEE. See our Mobile Safeguard brochure for the details.

 

Eagle IconSuper Now Checking (Click the Eagle icon to apply for a new account.)
(Interest Bearing Account)

  • Minimum balance to open account – You must deposit $100.00 to open
    this account.
  • Interest Rate – Rate and Annual Percentage Yield (APY) are determined
    at our discretion. We may change the interest rate and APY on your account at
    any time.
  • Interest Earned – The interest earned on this account will be
    compounded monthly and added back to the account each month. We use the daily
    balance method to calculate the interest on your account. This method applies a
    daily periodic rate to the principal in the account each day. Interest begins to
    accrue on the business day that you deposit noncash items (for example, checks).
  • Monthly Service Charge – Your monthly service charge will be $7.00 if
    you receive only E-Statements. Your monthly service charge will be $9.00 if you
    receive paper statements. Your monthly service charge will be waived if
    you maintain a daily balance of $750.00 or a minimum average daily balance of
    $2,500.00 for the monthly statement cycle.
  • Transaction Fees – An excessive debit charge fee of $.15 will be
    charged for each debit transaction in excess of 35 during a statement cycle.
  • Debit Card – Your first Debit Card for each account signer will be
    with no issue fee. Your card will expire three years from the issue date. You
    will receive an automatic replacement of that card with no issue fee during the
    last week of the expiration month shown on the card. Any other requests for a
    new card or a change of Personal Identification Number (PIN) will have a
    replacement fee.
  • Debit Card Transactions – We do not charge a fee if you use our ATM.
  • NO FEE Internet Banking - You can check your balance, make transfers,
    and view statements.
  • NO FEE Mobile Banking – Enrollment is available when you sign up on
    Internet Banking.
  • NO FEE Online Bill-Pay – You can pay your bills online, either single
    payments or repetitive payments.
  • Mobile Safeguard Member Benefits- CAN BE ADDED TO THE ACCOUNT FOR A
    SMALL MONTHLY FEE. See our Mobile Safeguard brochure for the details.

 

Eagle IconMoney Market Checking (Click the Eagle icon to apply for a new account.)     (Interest Bearing Account)

  • Minimum balance to open account – You must deposit $100.00 to open
    this account.
  • Interest Rate – Rate and Annual Percentage Yield (APY) are determined
    at our discretion. We may change the interest rate and APY on your account at
    any time.
  • Interest Earned – The interest earned on this account will be
    compounded monthly and added back to the account each month. We use the daily
    balance method to calculate the interest on your account. This method applies a
    daily periodic rate to the principal in the account each day. Interest begins to
    accrue on the business day that you deposit noncash items (for example, checks).
  • Monthly Service Charge – Your monthly service charge will be $8.00 if
    you receive only E-Statements. Your monthly service charge will be $10.00 if you
    receive paper statements. Your monthly service charge will be waived
    if
    you maintain a minimum daily balance of $2,500.00 during the monthly
    statement cycle.
  • Transaction Limitations – Transfers from this account to another
    account or to third parties by preauthorized, automatic, computer, or telephone
    transfer, or by check, draft, debit card, or similar order to third parties are
    limited to six (6) per calendar month.
  • Excessive Debit fee – An excessive debit fee of $5.00 will be charged
    per debit in excess of six (6) debits per calendar month.
  • Debit Card – Your first Debit Card for each account signer will be
    with no issue fee. Your card will expire three years from the issue date. You
    will receive an automatic replacement of that card with no issue fee during the
    last week of the expiration month shown on the card. Any other requests for a
    new card or a change of Personal Identification Number (PIN) will have a
    replacement fee.
  • Debit Card Transactions – We do not charge a fee if you use our ATMs.
  • NO FEE Internet Banking - You can check your balance, make transfers,
    and view statements.
  • NO FEE Mobile Banking – Enrollment is available when you sign up on
    Internet Banking.
  • NO FEE Online Bill-Pay – You can pay your bills online, either single
    payments or repetitive payments.
  • Mobile Safeguard Member Benefits - CAN BE ADDED TO THE ACCOUNT FOR A
    SMALL MONTHLY FEE. See our Mobile Safeguard brochure for the details.

 

Eagle IconSavings Account (Click the Eagle icon to apply for a new account.)

  • Minimum balance to open account – You must deposit $100.00 to open
    this account.
  • Interest Rate – Rate and Annual Percentage Yield (APY) are determined
    at our discretion. We may change the interest rate and APY on your account at
    any time.
  • Interest Earned – The interest earned on this account will be
    compounded daily and added back to the account quarterly. We use the daily
    balance method to calculate the interest on your account. This method applies a
    daily periodic rate to the principal in the account each day. Interest begins to
    accrue on the business day that you deposit noncash items (for example, checks).
  • Monthly Service Charge – Your monthly service charge will be $5.00.
    Your monthly service charge will be waived if you maintain a
    minimum daily balance of $100.00 during a calendar month.
  • Transaction Limitations – Transfers from this account to another
    account or to third parties by preauthorized, automatic, computer, or telephone
    transfer, or by check, draft, debit card, or similar order to third parties are
    limited to six (6) per calendar month.
  • Excessive Debit Fee – You will have an excessive debit fee of $3.00
    per debit after the first three (3) debits per calendar month.
  • Statements– Statements on this account are rendered each calendar
    quarter. You may receive a monthly “Transcript” statement if you have automatic
    deposits or automatic payments.
  • NO FEE Internet Banking - You can check your balance, make transfers,
    and view statements.
  • NO FEE Mobile Banking – Enrollment is available when you sign up on
    Internet Banking.
  • NO FEE Online Bill-Pay – You can pay your bills online, either single
    payments or repetitive payments.
  • Mobile Safeguard Member Benefits - CAN BE ADDED TO THE ACCOUNT FOR A
    SMALL MONTHLY FEE. See our Mobile Safeguard brochure for the details.

 

Certificate of Deposit

A Certificate of Deposit is a non-negotiable, interest-bearing instrument with which a customer promises to keep his funds on deposit for a specified length of time, thereby earning a guaranteed rate of return. Schertz Bank & Trust offers fixed rate, simple interest CDs for different terms and rates. CDs are automatically renewable. Different rates are offered for Jumbo CDs ($100,000.00 or more).

Regular CDs
Jumbo CDs

Regular CDs

Three month CD

  • Automatically renewable
  • Interest paid at term back to CD
  • Penalty for early withdrawal is an amount equal to one month's interest.
  • Redeemable on day of maturity or within 10 days after without penalty

Six month CD

  • Automatically renewable
  • Interest paid at term back to CD
  • Penalty for early withdrawal is an amount equal to one month's interest.
  • Redeemable on day of maturity or within 10 days after without penalty

12 month CD to 24 month CD

  • Automatically renewable
  • Interest paid quarterly back to CD
  • Penalty for early withdrawal is an amount equal to three month's interest.
  • Redeemable on day of maturity or within 10 days after without penalty

3 Year CD to 5 Year CD

  • Automatically renewable
  • Interest paid quarterly back to CD
  • Penalty for early withdrawal is an amount equal to six month's interest.
  • Redeemable on day of maturity or within 10 days after without penalty

Contact our New Accounts Department for further information on terms, rates, interest payments, and penalties on regular CDs.

Jumbo CDs

  • Automatically renewable
  • Terms up to 24 months
  • Interest paid at term- back to CD
  • Penalties – One month's interest for one, three, or six month CD and three month's interest for 12 month CD and 24 month CD

Contact our New Accounts Department for further information on terms, rates, interest payments, and penalties on Jumbo CDs.

Individual Retirement Accounts

  • Fixed Rate IRAs
  • Variable Rate IRAs

Contact our New Accounts Department for further information on terms, rates, interest payments, and penalties on fixed rate or variable rate IRAs.