Important Security Reminder

Please do not share sensitive information by phone or text message. If you are ever unsure whether a communication is legitimate, contact Texas Heritage National Bank directly at (903) 645-2251. Remember: Texas Heritage National Bank will never ask for sensitive account or debit card information by phone or text message.

Traditions Checking Account

Traditions Checking is our most straightforward personal account

No bells or whistles, just reliable banking with flexible service charges based on your balance.

It’s a dependable fit for customers who want easy access to their money and a checking account that keeps things simple.

Open an Account  ↗  Find a Branch 



Is Traditions Checking Right for You?

This account may be a good match if you:

  • Prefer in-person or paper-based banking
  • Maintain a moderate daily balance
  • Want a checking account with no hidden costs or complex requirements


Account Features

  • Tiered monthly service charges based on your account balance
  • 50 free debit transactions per month
  • Paper statements with check images included
  • Debit card access and mobile banking available
  • FDIC insured


Account Requirements

Minimum to open: $100


Monthly Service Charge

The service fees for the Traditions Checking Account are as follows:

  • $600 or more — No charge
  • $400 to $599.99 — $4.00
  • $200 to $399.99 — $6.00
  • Below $200 — $10.00


Debit Transactions

The first 50 debit card purchases are free each month. $0.10 per transaction after that.


Transaction Limits

None.



Simple. Clear. Traditional.

Traditions Checking is a solid option for everyday banking, especially if you want to keep things low-cost and low-fuss.

Open an Account  ↗  Find a Branch