What does THB mean in BANKING

Texas Heritage Bank provides a variety of banking services, such as deposit and lending products, mobile banking, internet banking, debit and credit card processing, ATM access, electronic bill payment services, wealth management and trust services. We also offer financial planning advice designed to meet the needs of our customers.

Establishing an account with Texas Heritage Bank is simple and easy! You can start by visiting one of our convenient locations or you can open an account online here. You will need to provide some basic personal information such as name and address, along with proof of identity. Once your application is submitted you will receive further instructions on how to fund your new account.

Yes! We offer several types of interest bearing checking accounts such as our Premier Checking Account which offers competitive rates based on average daily balance. Our Express Checking Account pays a tiered interest rate depending on the balance in your account.

Yes, there is a fee for using ATMs outside of our network. However, we do have over 3,000 surcharge-free ATMs throughout the U.S., offering free withdrawals when used inside one of those locations. In addition to foreign ATM fees, you may also be charged other fees that are assessed by the non-Texas Heritage Bank ATM owner/operator or network used (for example; overdraft fees). Please refer to your Debit Card Agreement for additional information regarding ATM fees specific to you.

Yes, there are limits determined by both federal regulations established by the Federal Reserve Board and limits determined by us as part of our security protocol that help protect customers' accounts from fraudulent activity or theft. Please refer to your applicable account agreement documents for specific details related to withdrawal limits that apply to you.

Generally speaking there are no limitations associated with deposits made into your individual accounts; however certain promotions may restrict certain types of deposits such as cash deposits in excess of $10K per day or multiple large wire transfers from unrelated parties within 30 days which could result in suspicious activity alerts being triggered requiring manual review prior to funds being released for use.

Yes! Our Online Banking system utilizes multiple layers of security including data encryption methods established by industry standards. We also utilize advanced technology such Strong Customer Authentication (SCA) and two factor authentication processes that require customers enter both their username/password credentials as well as hardware authentication devices (i.e., physical hardware tokens typically sent via postal mail upon activation) or biometric authentication like facial recognition and fingerprint ID prior accessing their online banking profile.