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Community Cash

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Community Cash

Looking for free checking that really pays? Then look no further. Community Cash puts 1.00% APY* right back in your pocket, where it belongs! Plus, you also receive refunds on ATM fees, not just in the Lakeway area, but nationwide. So you can travel, shop, pay bills, or whatever life sends your way, without ever giving your money away. Isn't that refreshing?

  • Nationwide ATM fee refunds
  • 1.00% APY* on balances up to $10,000
  • 1.00% - 0.25% APY, on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Linked to Community Saver for automatic savings
  • No minimum balance
  • Free online banking
  • Free online bill pay
  • Free eStatements


To get 1.00% APY* and nationwide ATM refunds, just do the following each monthly qualification cycle:

  • Have at least 12 signature-based debit card purchases post and settle
  • Have at least 1 automatic payment or direct deposit post and settle
  • Be enrolled and review eStatements

If you don't qualify during a cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. You can get right back earning rewards and enjoying ATM fee refunds the next cycle you qualify.


*APY=Annual Percentage Yield. APYs accurate as of 2/12/2013. Rates may change after account is opened. For Community Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to 10 per monthly cycle and automatically transferred to their Community Saver account on the first day of the next statement cycle; (2) balances up to $10,000 receive APY of 1.0%; and balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in (3) 1.00% - 0.25% APY depending on the balance. If qualifications are not met on Community Cash, all balances earn 0.05% APY. Qualifying transactions must post to and settle Community Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Community Cash APY is based on compounding interest. Interest earned in Community Cash is automatically transferred to Community Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Community Cash APY. The Community Saver APYs may be less than Community Cash APYs. If qualifications in Community Cash are met each monthly qualification cycle all balances in Community Saver receive an APY of 0.50% If qualifications are not met on Community Cash, all balances in Community Saver earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. ATM transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. You must be enrolled for and receive monthly eStatement notification to have this account. Limit to one account per household.

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