Savings Accounts and Money Markets

Bank of Houston offers competitive interest rates with an unmatched level of personal service from some of Houston’s most experienced personal banking specialists.

Personal Savings

Initial minimum deposit:
$200.00

Monthly service fee:

  • No monthly service fee for maintaining an average daily balance of $200.00 or more
  • $1.00 monthly service fee if average daily balance falls below $200.00

Interest:
Interest is compounded monthly and paid at the end of the statement cycle date. Rates are subject to change at any time.

Personal Savings accounts include:

  • Monthly account statements
  • 24-hour automated customer service
  • Free Online Banking
  • Six monthly transfers or withdrawals ($3.00 “excessive withdrawal” fee for each additional withdrawal)

Personal Money Market

Initial minimum deposit:
$2,500.00

Monthly service fee:

  • No monthly service fee for maintaining an average daily balance of $2,500.00 or more
  • $10.00 monthly service fee if average daily balance falls below $2,500.00
  • $10.00 excessive withdrawal fee for each transaction over the limit of six per statement cycle

Interest:
Interest rates follow a tiered rate structure. Interest is compounded monthly and paid on the statement cycle date. Rates are subject to change at any time.

MMA tiers:

  • $ 2,500.00 – 49,999.99
  • $ 50,000.00 – 99,999.99
  • $ 100,000.00 –  499,999.99
  • $ 500,000.00 – 999,999.99
  • $ 1,000,000.00 – 1,499,999.99
  • $ 1,500,000.00 – 1,999,999.99
  • $ 2,000,000.00 and over

Personal Money Market accounts include:

  • Monthly image statement
  • 24-hour automated customer service
  • Free Online Banking

Minor Savings

Initial minimum deposit:
$25.00

Monthly service fee:
None

Special consideration:
A parent or guardian must be on the account.

Minor Savings accounts include:

  • Monthly account statement
  • 24-hour automated customer service
  • No minimum balance required
  • No monthly service fee
  • Six monthly transfers or withdrawals ($3.00 “excessive withdrawal” fee for each additional withdrawal)
  • Free Online Banking