Personal Checking

Find an account that fits the bill. And is tailored for personal finances. Help Me Decide

Personal Checking

Find an account that fits the bill. And is tailored for personal finances. Help Me Decide

Pick Your Perfect Checking Account

Choose from a variety of checking options––from Free eChecking to our Premium Checking––designed for your lifestyle and preferences. And with every ANBTX account you’ll always get the personal financial service you expect  from your local community bank. Prefer to bank from home or on-the-go? No problem. Our digital banking provides you with access anytime, anywhere with our free online and mobile tools. 

Free eChecking

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MyChoice Checking

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DirectPlus Checking

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Premium Checking

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Account Description and Features
How does it work?A simple account with no monthly service fees and the convenience and security of electronic statements.A traditional account with a low monthly service fee (of $4.95) available for customers who prefer to receive paper statements

An account for customers who use monthly direct deposit or have reached 55 years of age. The monthly fee is waived by electing electronic statement enrollment.

An interest-bearing account for those who keep higher account balances or have multiple ANBTX bank relationships. Monthly fee is waived when minimum balance requirements are met.

Requirements to open account


Maintain direct deposit OR be at least 55 years of age



ElectronicPaperElectronic or PaperElectronic or Paper
Monthly service fee$0$4.95

$2.95 or $0

$15.00 or $0

How to waive the monthly service fee

--Electronic statement enrollment

$1,500 account daily balance OR $15,000 average ledger balance in combined deposit accounts

Earns Interest


Yes - Interest is earned when the daily collected balance is $5,000 or more

Free checks

--1 box per year2 boxes per year

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  • Free online and mobile banking
  • Debit card access 
  • Optional overdraft services
  • $6.00 inactivity fee if checking account balance is less than $100 for 90 days or longer
  • Minimum opening deposit of $50 

Let's Talk Digital

Enjoy these free digital features with every personal checking account. Access your accounts at your convenience, anytime and anywhere.

Laptop logged in screen

Online Banking

Stay informed and in control––view balances and transactions, make transfers, pay bills, and more––from your desktop.
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Mobile Banking

Manage your money on-the-go with banking that's to-go. Enjoy all the features and services from your mobile device.
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Mobile phone displaying check

Mobile Deposit

Deposit checks from your mobile phone or tablet––simply take a picture of the front and back of your check and click.
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Bill Pay

Make paying bills hassle-free. Schedule one-time or recurring payments and pay your bills exactly when they’re due.
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Open an Account Today

a woman applying for a personal checking account with ANBTX

Applying is fast and easy! Simply gather the following information and we'll have you ready to go in ten minutes:

  • Government issued ID, Drivers License, State ID, or Passport––with current address
  • Your complete physical and mailing addresses
  • Social Security Number
  • Date of Birth
  • $50 minimum opening deposit

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How Can We Help?

Contact us to learn more about our personal checking accounts.