Checking Accounts

Spectra Bank

Consumer Checking Accounts

No matter your checking account needs, we can offer you the perfect financial solution. Choose from one of our consumer checking accounts shown below:

Individual Checking

Minimum Opening Requirement: $200.00 Initial Deposit

Description of Account: A transaction account for customers who value benefits for maintaining an account with a higher balance. It includes a flat service fee and a per debit fee if the balance falls below $1000 during a monthly statement cycle.

Features: Free Online Banking with Bill Pay access, Debit Card access, Free Mobile Banking access, and Free E-statements availability

**Contact us today for more information and additional requirements**

O.U.R. Checking

Minimum Opening Requirement: $200.00 Initial Deposit

Description of Account: A simple checking account that has the benefit of only a flat monthly fee without a per item fee.

Features: Free Online Banking with Bill Pay access, Debit Card access, Free Mobile Banking access, and Free E-statements availability

**Contact us today for more information and additional requirements**

Economy Checking

Minimum Opening Requirement: $100.00 Initial Deposit

Description of Account: This transaction account is designed for the individual whose banking needs are minimal including but not limited to check writing, debit card usage, and transfers. There is a flat service fee and a per item fee if you accumulate over 10 transactions a month.

Features: Free Online Banking with Bill Pay access, Debit Card access, Free Mobile Banking access, and Free E-statements availability

**Contact us for more information and additional requirements**

NOW Account

Minimum Opening Requirement: $200 Initial Deposit.

Description of Account: The NOW (negotiable order of withdrawal) account is an interest-bearing checking account perfect for those needing availability of funds with the added benefit of competitive interest rates. With this account you can also write unlimited checks.

Features: Free Online Banking, Free Mobile Banking access, and Free E-statements.

**Come visit us today for more information and additional requirements **

We were very impressed with the friendliness of everyone at Spectra Bank. We appreciated the promptness, kindness, and business knowledge that they showed.
Annabel Robertson, Ft. Worth, Tx.
I opened a personal checking account and two business accounts at Spectra Bank and have been very happy with the service I have received.
Taylor Whitney, Ft. Worth Tx.
I was very pleased with the courteous, knowledgeable and expedient service I received at Spectra Bank. As a new customer I appreciate the friendly service and making me feel I am a valued client.
Johnathon Smart, Ft. Worth Tx.

Spectra Bank Resource Center

Information, Insights and Expert Advice.
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At Spectra Bank we know our customers,

and we call them by name.

Our goal is to meet the needs of all customers, ranging from personal to business banking. Simple banking and experienced common sense bankers are what we strive to be. Our executive team is always available to make decisions promptly, so come visit us at either location today.