Financial Institution Directory

Transcription

1 Financial Institution Directory Office of the City Controller, Ronald C. Green Telephone: 832/ Website: Revised: January 2013

2 Product: Amegy Bank of Texas Free Checking Opening Deposit Requirement: $50 Minimum Balance: None Yes Yes Yes Checks Debit Card Bill Pay Monthly Fee: None Overdraft / Insufficient Funds: None with auto-coverage from Savings Account Bounced Check: None with auto-coverage from Savings Account Out of Network ATM: Alternative ID s Accepted: Yes Texas Temporary Visitors Card (requires ITIN or Foreign Passport) Yes Yes Yes No Yes Yes Yes Foreign Passport with Photo Mexican Matricula Consular ID Mexican Voter s Registration Card Guatemalan Consular ID Cedula (CEDA) Other: Alien Registeration Card (with Photo) or Permanent Registration Card Secondary: Utility Bill, Check Card, Major Credit Card, Canadian Driver s License, Student ID, Any US Government Issued ID Card, US Armed Services ID / Military ID, Social Security Card, US Voter s Registration Card, Transportation Worker Identification Credential Card Chexsystem Policy Yes Over 1 year old (if debt is paid off) No Less than 1 year old (yes, if debt is paid off on an exception basis only) No Remittance Product Yes Wire Transfer Yes Cashiers Check Yes Financial Education Training Participating Branches All in State of Texas

3 Bank of America Personal checking, a way to start growing savings, plus tools to manage finances Opening Deposit Requirements: $25.00 Minimum Balance: Checks Debit Card Bill Pay MyAccess Checking Keep the Change with Regular Savings Overdraft Protection Alerts (to cell phone or ) Online Banking Bill Pay Add it Up Monthly Fee: No monthly maintenance fee for MyAccess Checking if: Make at least one qualifying direct deposit of $250 or more each statement period OR Maintain an average balance of $1,500 or more Otherwise, pay $12 per month Overdraft/Insufficient Funds: no fee to enroll - link to another BAC account. $10 transfer fee on days the bank needs to transfer funds for you. $35 overdraft fee for each item NSF (a returned item) $35 per item Out of Network ATM: $2 each in U.S., $5 each in foreign country Alternative ID s Accepted: Mexican Matricula Consular ID (with photo) Guatemalan Consular ID (with photo) Other: Alien Registration Card: Dominican Republic, Colombian (with photo) Secondary: U.S. Military ID Common access Card (CAC) (with photo) United States Armed Services ID (with photo) United States, state, or local government issued Identification Card (with photo) U.S. Passport (with photo) Canadian Citizenship Certificate Card (with photo) Permanent Resident Card (also known as U.S. Alien Registration Receipt Card)- Form I-551 (with photo) U.S. Nonimmigrant Visa and Border Crossing Card - DSP-150 (with photo) Foreign Passport with or without Passport Visa (with photo)

4 INS Employment Authorization Card - Form I-766 or I-688 (with photo) Wire Transfer Money Orders Financial Education Training Other: see account features at the top of the page Participating Branches: To find a list of banking centers in the area, please click here

5 Bank of Texas Second Chance Checking Opening Deposit Requirements: $50.00 Minimum Balance: Checks Debit Card Bill Pay none required Monthly Fee: $9.00 Overdraft/Insufficient Funds: yes, $32.75 plus $5.00 per day after the 5 th day. Bounced Check: $32.75 Out of Network ATM: yes, free fees Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: All 15 locations around Houston

6 Capital One Bank Opening Deposit Requirements: $50.00 Minimum Balance: None Checks Debit Card Bill Pay Free Free Monthly Fee: Overdraft/Insufficient Funds: $35.00 Bounced Check: $35.00 Out of Network ATM: $2.00 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: All Capital One Branches

7 Central Bank Free Checking Opening Deposit Requirements: $50 Minimum Balance: $0 Checks Debit Card Bill Pay Monthly Fee: $0 Overdraft/Insufficient Funds: $35 Bounced Check: $35 Out of Network ATM: $0 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa o Any of these can be used as secondary ID ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old - no Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: 5 branches in Houston area

8 JP Morgan Chase Access Checking Opening Deposit Requirements: $25.00 Minimum Balance: $ Checks X - Debit Card X - Bill Pay Monthly Fee: $15.00 Overdraft/Insufficient Funds: $34.00 Bounced Check: Checks are not offered with this account Out of Network ATM: $2.50 Alternative ID s Accepted: X -Mexican Matricula Consular ID X- Guatemalan Consular ID X- Other: Alien Registration Card X - Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. X - Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training X - Other: Rapid Cash (You can send money to Mexico to non-bank account holders Participating Branches: All JP Morgan Chase Branches

9 Citibank, N.A. Basic Checking Opening Deposit Requirements: $0 Minimum Balance: None Checks Debit Card Bill Pay Unlimited check writing Free Free and unlimited Monthly Fee: None, if at least 5 transactions per month (debit card, check writing, direct deposit, bill payments, auto deduct/ach payments, atm withdrawals, or checks written). Otherwise $8 (if the account is not used at least 5 times in a billing cycle) Overdraft/Insufficient Funds: $34 Bounced Check: $10 Out of Network ATM: $2 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Yes, many countries around the world Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Free check images, free online statements, free fraud early warning and $0 liability, free 24/7 CitiPhone Banking, free ThankYou rewards program, free Identity Theft Solutions, lower rates for most credit products with auto deduct from a Citi account. Participating Branches: All 11 branches in the greater Houston metro area

10 Energy Capital Credit Union Star Checking Energy Capital Credit Union offers a checking account with no monthly service charge and no minimum balance requirements. Our checking accounts also include added features like a free VISA check card, overdraft protection and free bill pay. Opening Deposit Requirements: $ Minimum Balance: 0 Checks Debit Card Bill Pay Monthly Fee: 0 Overdraft/Insufficient Funds: $35 Bounced Check: $35 Out of Network ATM: 0 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: All Energy Capital Credit Union Branches.

11 First Convenience Bank, a division of First National Bank Texas Power Checking Account Opening Deposit Requirements: $1.00 Minimum Balance: Checks - unlimited check writing, no per item charge $100 Unless Direct Deposit or five (5) Card Purchases per statement cycle Debit Card - FREE Debit MasterCard with FREE transactions at GoldKey Network ATM s Bill Pay - FREE Online Bill Pay, Mobile Banking & Internet Banking Monthly Fee: $11.97 How to Avoid a monthly Maintenance Fee: No monthly maintenance fee is assessed when one of three qualifiers is met each statement cycle: 1. Qualifying Direct Deposit, or 2. Five (5) Card Purchases, or 3. $100 daily balance Overdraft/Insufficient Funds: Overdraft fee of $34.97 per item; if we pay more than six (6) in one day, we will limit the number of per item OD fees we charge you to six (6) per day. If your account is overdrawn for more than five consecutive business days we will charge an additional $2.49 per day. Bounced Check: $34.97 per item; additional merchant fees may apply Out of Network ATM: Alternative ID s Accepted: $2.00 (withdrawals, balance inquiries, transfer or denied withdrawal) $3.00 Foreign Currency Conversion Fee (currency other than US dollars) Mexican Matricula Consular ID* Guatemalan Consular ID* Other: Alien Registration Card Secondary: social security card, insurance card, utility bill, student ID, property tax bill, credit/debit card, voter registration card, or concealed handgun license *If primary ID is Matricula Card, customer must also present one of the following: Mexican or Guatemalan driver s license, Mexican or Guatemalan registration card, Mexican or Guatemalan military ID, utility bill, residential lease agreement, or insurance card. 1

12 ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old No Chex System Remittance Product Wire Transfer Money Orders FREE Money Orders Financial Education Training: FREE Banking Basics Course Other: Western Union (Send, Receive, Quick Collect) FREE Coin Counting 24-Hour Personal Account Line (PAL) 17 FREE calls a month; additional calls $.50 Participating Branches: 57 First National Bank Texas/First Convenience Bank branches in Houston. Visit for branch locations. Customer Service: FNBT: FCB:

13 First Service Credit Union Fresh Start Checking Opening Deposit Requirements: Minimum Balance: $25.00 Checks - for a fee Debit Card Bill Pay Monthly Fee: $9.00 Overdraft/Insufficient Funds: $27.50 Bounced Check: $27.50 Out of Network ATM: $1.00 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer $15.00 domestic, $40.00 foreign Money Orders $1.75 Financial Education Training Other: Participating Branches: All First Service Branches

14 Houston Municipal Employees Federal Credit Union Opening Deposit Requirements: For Savings $25.00 deposit establishes your new Share Savings Account and establishes your Lifetime Membership. (Dividends Compounded and paid monthly.) Minimum Balance: $25.00 Checks Debit Card Bill Pay Monthly Fee: None Insufficient Funds: $30.00 Out of Network ATM: Yes Alternative ID s Accepted: Mexican Matricula Consular ID Secondary: Recent utility bill, residential lease or rental agreement, student ID card, travel visa ChexSystems Policy: Account available for persons with NSF history on ChexSystems Money Orders Financial Education Training

15 IBC Bank Free Checking Opening Deposit Requirements: $10.00 Minimum Balance: None Checks Debit Card Bill Pay Monthly Fee: Overdraft/Insufficient Funds: Bounced Check: Out of Network ATM: No Monthly Service Charge $29.00 per occurrence $29.00 per occurrence $2.00 per transaction Alternative ID s Accepted: Mexican Matricula Consular ID Secondary-accepted with Visa Laser or Passport Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: 1 st order of 50 checks free Free IBC Bank Online Free IBC Bank Online Bill Pay 43 participating Houston-area locations Many branches open 7 days per week with extended evening hours Participating Branches: See attached list

16 IBC Bank Houston Market Area updated 11/1/10 *7d 7-day Location Alief *Briar Forest 8203 South Kirkwood 1545 Eldridge Parkway Houston, TX Houston, TX Lobby: Mon-Fri 9-6 Sat 9-5 Lobby: Mon-Fri 9-6 Sat 9-5 Sun 12-5 Drive Thru: Mon-Fri 7:30-7 Sat 9-5 Drive Thru: Mon-Fri 7:30-7 Sat 9-5 Sun 12-5 Angleton *Bryan (inside H-E-B) 200 East Mulberry 725 East Villa Maria Angleton, TX Bryan, TX Lobby: Mon-Thur 9-5 Fri 9-6 Sat 9-12 Lobby: Mon-Sat 9-9 Sun 12-7 Drive Thru: Mon-Fri 8-6 Sat 8-1 *Bunker Hill (inside H-E-B) *Astrodome (inside Kroger) 9710 Katy Freeway 7747 Kirby Dr Houston, TX Houston, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7 *Cinco Ranch (inside H-E-B) *Atascocita (inside H-E-B) 6711 South Fry Road 7405 FM 1960 East Katy, TX Humble, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7 *College Station (inside H-E-B) *Barker Cypress (inside H-E-B) 1900 Texas Avenue South NW Freeway College Station, TX Cypress, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7 Dickinson *Bay Colony (inside H-E-B) 2301 FM 646 West 2955 S Gulf Freeway Dickinson, TX League City, TX Lobby: Mon-Fri 9-6 Sat 9-2 Lobby: Mon-Sat 9-9 Sun 12-7 Drive Thru: Mon-Fri 7:30-7 Sat 9-2 *Bear Creek (inside H-E-B) Downtown 4955 N Highway McKinney Ste 150 Houston, TX Houston, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Fri 9-5 *Beechnut (inside H-E-B) *El Campo (inside H-E-B) Beechnut 306 N Mechanic Houston, TX El Campo, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7

17 IBC Bank Houston Market Area updated 11/1/10 *7d 7-day Location *Eldridge (inside Kroger) Gulfgate FM 1960 West 3200 Woodridge Ste 1350 Houston, TX Houston, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Fri 9-6 Sat 9-2 Drive Thru: Mon-Fri 7:30-7 Sat 9-2 *Fairmont Parkway (inside id H-E-B) 6210 Fairmont Parkway *Gulfgate Instore (inside H-E-B) Pasadena, TX Woodridge Ste Houston, TX Lobby: Mon-Sat 9-9 Sun Lobby: Mon-Sat 9-9 Sun 12-7 Freeport 1208 N Brazosport Blvd *Kempwood (inside H-E-B) Freeport, TX Kempwood Houston, TX Lobby: Mon-Thur 9-5 Fri 9-6 Sat Drive Thru: Mon-Fri 8-6 Sat 8-12 Lobby: Mon-Sat 9-9 Sun 12-7 *Friendswood (inside Kroger) *Kingwood (inside H-E-B) 3135 FM Kingwood Dr Friendswood, TX Kingwood, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7 *Galleria Mall Kirby Galleria II, Level Kirby Dr 5085 Westheimer Ste 4640 Houston, TX Houston, TX Lobby: Mon-Thurs 9-5:30 Fri 9-6 Sat 9-2 Lobby: Mon-Sat 9-8 Sun 12-5 Drive Thru 1: Mon-Fri 7:30-6 Sat 9-2 Drive Thru 2: Mon-Fri 9-7 *Galveston (inside Randall's) 2931 Central City Blvd Lake Jackson Galvesotn, TX That Way Lake Jackson, TX Lobby: Mon-Fri 10-6 Sat 10-5 Sun Lobby: Mon-Thur 9-5 Fri 9-6 Sat 9-12 Grand Parkway Drive Thru: Mon-Fri 8-6 Sat West Grand Parkway Katy, TX *Louetta (inside H-E-B) Louetta Lobby: Mon-Fri 9-6 Sat 9-2 Spring, TX Drive Thru: Mon-Fri 7:30-7 Sat Lobby: Mon-Sat 9-9 Sun 12-7

18 IBC Bank Houston Market Area updated 11/1/10 *7d 7-day Location Montrose *Spencer Highway (inside Mi Tienda) 3939 Montrose Suite W 1630 Spencer Highway Houston, TX Houston, TX Lobby: Mon-Fri 9-6 Sat 9-2 Lobby: Mon-Sat 9-9 Sun 12-7 Drive Thru: Mon-Fri 7:30-7 Sat 9-2 *Park Row (inside H-E-B) *Stuebner (inside H-E-B) 1550 Fry Road 7310 Louetta Houston, TX Spring, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7 *Pearland (inside H-E-B) *West Airport (inside Kroger) 2805 Business Center Dr South Highway 6 Pearland, TX Sugar Land, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Sat 9-9 Sun 12-7 *Richmond *Wharton (inside H-E-B) 5250 FM North Alabama Richmond, TX Wharton, TX Lobby: Mon-Fri 9-6 Sat 9-5 Sun 12-5 Lobby: Mon-Sat 9-9 Sun 12-7 Drive Thru: Mon-Fri 7:30-7 Sat 9-5 Sun 12-5 *Woodbridge Sage Highway 6 South 1777 Sage Road Sugar Land, TX Houston, TX Lobby: Mon-Fri 9-6 Sat 9-5 Sun 12-5 Lobby: Mon-Fri 9-6 Sat 9-2 Drive Thru: Mon-Fri 7:30-7 Sat 9-5 Sun 12-5 Drive Thru: Mon-Fri 7:30-7 Sat 9-2 *Woodlands (inside H-E-B) Sea Wall 9595 Six Pines Drive 500 Sea Wall Blvd Ste 200 The Woodlands, TX Galveston, TX Lobby: Mon-Sat 9-9 Sun 12-7 Lobby: Mon-Fri 9-6 Sat 9-2 Drive Thru: Mon-Fri 7:30-7 Sat 9-2 *Sienna Plantation (inside H-E-B) 8900 Highway 6 Missouri City, TX Lobby: Mon-Sat 9-9 Sun 12-7

19 JSC Federal Credit Union Checking Accounts (Classic, Horizons, Energy) Opening Deposit Requirements: $10.00 or $25.00 ($10.00 for Energy) Minimum Balance: No minimum balance requirements Checks Debit Card Bill Pay $15.00 (includes tax and delivery) Free Free Monthly Fee: No Monthly Fees Overdraft/Insufficient Funds: $20.00 / per item (insufficient funds) $2.00 (overdraft) Bounced Check: $20.00 & Privilege Pay ($20.00 per item) Out of Network ATM: First 4 no charge, $0.50 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old: Depends on $ amount of charge. May be asked to clear up the negative balance. Remittance Product N/A Wire Transfer Domestic $12.50, International $30.00 Money Orders Each $1.00 regardless of amount, $ Max Financial Education Training FREE monthly seminars, credit consultation Other: Notary Participating Branches: All 15 branch locations

20 JSC Federal Credit Union Branch Locations We offer 15 convenient branch locations to serve all your financial needs! 1 Clear Lake / Main Office 1330 Gemini Houston, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Thurs. 7am - 6pm; Fri. 7am - 6:30pm; Sat. 8:30am - 1pm 6 Tuscan Lakes Branch 1280 East League City Parkway League City, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 11 Seabrook Branch 2900 NASA Parkway, Suite 310 Seabrook, TX Lobby Hours: Mon. - Fri. 9am - 5:30pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 9am - 5:30pm; Sat. 9am - 1pm 2 League City Branch 501 FM 270 League City, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 7 Mainland Branch 2300 Gulf Freeway Texas City, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 12 League City West Branch 3612 W. Main Street, Suite 400 League City, TX Lobby Hours: Mon. - Fri. 9am - 5:30 pm; Sat. 9am - 1pm No Drive-thru at this location 3 Ellington Branch 404 FM 1959 Houston, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 8 Park Place Branch 8424 Park Place Blvd Houston, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. Closed No Drive-thru or ATM at this location 13 Monument Branch 2200 East 13th Street Deer Park, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 4 Friendswood Branch 1320 S. Friendswood Friendswood, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 9 Bay Colony Branch 2461 FM 646 West Dickinson, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm Lobby & Drive-thru Open Sunday 12pm - 4pm 14 Deer Park Branch 120 East 8th Street Deer Park, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 5 Galveston Branch 2121 Market Street Galveston, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. Closed Drive-thru Hours: Mon. - Thurs. 7am - 5:30pm; Fri. 7am - 6pm; Sat. 8:30am - 1pm 10 Pearland Branch 9101 Broadway Pearland, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm 15 La Porte Branch 607 West Fairmont Parkway La Porte, TX Lobby Hours: Mon. - Fri. 9am - 5pm; Sat. 9am - 1pm Drive-thru Hours: Mon. - Fri. 7am - 6pm; Sat. 8:30am - 1pm JSC Federal Credit Union P.O. Box Houston, TX All Offices STAR Audio Response System (option #3) Galveston Bay Website / STAR PC Online Banking Allpoint Surcharge-Free ATM Network CU Service Centers - Shared Branch Network CUSC (2872) /11

21 NCI Community Development Credit Union Savings and Checking Account Opening Deposit Requirements: $10.00 in primary savings account Minimum Balance: $0.00 in checking account Checks Debit Card Bill pay Monthly Fee: No monthly fee. Overdraft/Insufficient Funds: $25.00 (not final) Bounced Check: $25.00 (not final) Out of Network ATM: $ tbd (domestic balance inquiry), $ (tbd) (domestic funds transfer or withdrawal), $ (tbd) (any foreign transaction)

22 Alternative IDs Accepted: As primary identification. Secondary identification may be Requested. Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien registration card Secondary: Certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership cared, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystmes. Over 1 year old Less than 1 year old (There will be conditions.) Remittance product Wire Transfer (unsure at this time) Money orders: Financial education training Other: Individual Development Accounts (IDA s); Credit Development Loans;

23 People s Trust Classic Checking-No monthly service fee and no minimum balance required. This is a standard checking account, designed for members who frequently write checks without the obligation of maintaining a minimum balance. Opening Deposit: $25.00 Minimum Balance: -0- Checks-Yes Debit Card-Yes Bill Pay-Free up to 20 per month Monthly: -0- Overdraft/Insufficient Funds: $29.00 Bounced Check: $29.00 Out of Network ATM: Non PTFCU ATM transactions fee $1.00 per transaction. Opportunity Checking-provides a member or a potential member who has less than 3 institutions and $1, outstanding in ChexSystems the opportunity to own a checking account. Opening Deposit: $25.00 Minimum Balance: -0- Checks-Yes Debit Card-Yes Bill Pay- Free, up to 20 per month Direct deposit required $8.00 Monthly Fee. Direct Deposit Required. If the member has more than (3) overdrafts within a 6 month period, the account will be closed. Bounced Check: All NSF checks are returned. The account is not eligible for No Bounce. Out of Network ATM: Non PTFCU transactional fee $1.00 per transaction.

24 Alternative ID s Accepted: Mexican Matricula Consular ID-Yes, along with secondary picture identification. ChexSystems Policy: Account available for persons with NSF/OD history on ChexSysytems Savings accounts no time frame Opportunity Checking Account- no time frame, see Opportunity Checking guidelines Remittance Product- Western Union Wire Transfer-Domestic $15.00 and International $45.00 Money Orders-Credit Union Checks $2.00 and Certified Checks $5.00 Financial Education Training-Yes/Free Introductory, Intermediate and Advanced financial education and workshops. Other: Secure, no annual fee credit cards-min $300.00, Christmas Club savings accounts, Free Online financial tools-finance Works and Debt in Focus Participating Branches: One Shell Plaza Tunnel: 910 Louisiana, #M100 Houston, TX Houston Center Branch 1200 McKinney, Suite 101 Houston, TX Town & Country Village Branch 650 West Bough, Suite 162 Houston, TX Galleria Branch 3390 Sage Rd. Houston, TX Shell Information Center 1500 Old Spanish Trail Houston, TX Shell Bellaire Service Center 3747 Bellaire Blvd., Rm 1002 Houston, TX Shell Woodcreek Service Center 200 N Dairy Ashford, Rm., 2003 Houston, TX Internet address:

25 Preferred Bank Preferred Interest Checking Opening Deposit Requirements: $ Minimum Balance: -0- Checks Debit Card Bill Pay First Order Basic Checks Free Free Free Online Banking and Bill Pay Monthly Fee: -0- Overdraft/Insufficient Funds: $28.50 Bounced Check: $28.50 Out of Network ATM: No Preferred Bank Fee Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card YES YES YES Secondary: See Branch Manager for acceptable forms of identification. ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old - Only if debt is paid off Less than 1 year old - Only if debt is paid off Remittance Product Wire Transfer Money Orders - $3.00 Financial Education Training Other: Cashier s Checks $5.00 Participating Branches: All Preferred Bank Branches

26 PrimeWay Federal Credit Union Savings Bank on Houston and Free Checking Opening Deposit Requirements: Minimum Balance: $25.00 Checks Debit Card Bill Pay $25.00 Saving Monthly Fee: $0.00 Overdraft/Insufficient Funds: $29.00 Bounced Check: $29.00 Out of Network ATM: $1.50 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: All PrimeWay Federal Credit Union Locations

27 Regions Bank Life Green Checking Opening Deposit Requirements: $50.00 Minimum Balances: $ minimum average monthly statement cycle balance or a direct deposit of at least $10.00 or 15 debit card transactions during statement cycle to avoid a monthly service charge of $5.00. Checks- Unlimited Debit Card- Unlimited Bill Pay- Free online Monthly Fee: $5.00 monthly service charge unless they have an average monthly statement cycle balance of $ or direct deposit of at least $10.00 or 15 debit card transactions during statement cycle. Free for students or people 50 or over. Overdraft/Insufficient Funds: $35.00 per item, first occurrence waiver upon customers request. Bounced Check: $35.00 Out of Network ATM: $2.00 Alternative ID's Accepted: -Mexican Citizen with Valid TIN/ITIN Non Resident Alien Unexpired Mexican Matricula with Regions approved 2nd form of ID The following form of Secondary ID is required: Unexpired Foreign Passport One of the following Secondary Forms of ID is required: Unexpired Student Identification with Photograph Unexpired Employment Identification with Photograph Unexpired Major Credit Card issued on a US Bank Unexpired U. S. Permanent Resident Card Unexpired Foreign Passport Unexpired U. S. Driver License or Non-Driver License from AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC,TN, TX, or VA Unexpired U. S. Temporary Driver License or Non-Driver License from AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX, or VA Unexpired Matricula Consular

28 ChexSystems Policy: Account Available for persons with NSF/OD history on ChexSystems. We do not use ChexSystems or Telecheck. We use other back office screening. Wires Participating Branches: TANGLEWOOD HOUSTON WOODWAY HOUSTON TX KIRKWOOD S KIRKWOOD HOUSTON TX HEIGHTS HOUSTON WEST 11TH STREET HOUSTON TX GALLERIA HOUSTON WESTHEIMER RD S... HOUSTON TX ELDRIDGE N ELDRIDGE PKWY HOUSTON TX LAKEWOOD FOREST LOUETTA RD SUI... HOUSTON TX NORTH FREEWAY NORTH FWY HOUSTON TX RIVER OAKS HOUSTON RIVER OAKS BLVD... HOUSTON TX CYPRESS BRANCH Huffmeister HOUSTON TX

29 Resource One Credit Union MyLifeMyMoney Checking Opening Deposit Requirements: $0.00 Minimum Balance: $0.00 Checks Debit Card Bill Pay Monthly Fee: $0.00 Overdraft/Insufficient Funds: $30 per item fee / $300 overdraft limit if opted-in Bounced Check: $30 per item Out of Network ATM: Free w/atm Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old - based on case-by-case scenario Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: All Resource One Locations

30 Shared Resources Credit Union Share Draft Account Opening Deposit Requirements: $25.00 Minimum Balance: 0.00 Checks Debit Card Bill Pay Monthly Fee: 0.00 Overdraft/Insufficient Funds: $30.00 Bounced Check: $30.00 Out of Network ATM: $2.00 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: Single Branch Operation E. Pasadena Freeway, Pasadena, Texas 77506

31 Smart Financial Credit Union Smart Chance Checking Opening Deposit Requirements: $50 minimum to open Minimum Balance: -- Checks - Yes Debit Card - Yes Bill Pay - Yes Monthly Fee: $10 Overdraft/Insufficient Funds: Bounced Check: Out of Network ATM: $28 per item (paid or unpaid) $28 per item $1.25 each Alternative ID s Accepted: Mexican Matricula Consular ID - No Guatemalan Consular ID - No Other: Alien Registration Card - Yes Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa - Yes ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Case by case basis Remittance Product - No Wire Transfer - Yes Money Orders - Yes Financial Education Training - No Other: Participating Branches: All 18 branches total in Texas and Louisiana

32 Unity Bank Free Checking Opening Deposit Requirements: $ Minimum Balance: -0- Checks Debit Card Bill Pay Monthly Fee: -0- Overdraft/Insufficient Funds: $34.00 Bounced Check: $34.00 Out of Network ATM: $2.50 Alternative ID s Accepted: Mexican Matricula Consular ID Guatemalan Consular ID Other: Alien Registration Card (as secondary) Secondary: certificate of naturalization, recent utility bill, residential lease or rental agreement, student ID card, union or trade membership card, employee badge, travel visa ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Case by case basis Over 1 year old Less than 1 year old Remittance Product Wire Transfer Money Orders Financial Education Training Other: Participating Branches: 2 Branches Blodgett and Fort Bend

33 Wells Fargo Bank Opportunity Checking Account Opening Deposit Requirements: $ Minimum Balance: $ no minimum monthly balance required Checks Debit Card Online Banking Bill Pay Monthly Fee: $10.00 The Monthly Service fee is waived if account meets the following criteria: Customer has Opportunity Checking as well as 3 additional qualifying products and services. And one of the following: o $1,000 minimum daily balance o Qualifying monthly Direct Deposit of **$100 or more o A monthly scheduled transfer of $25.00 or more to a Wells Fargo Savings account o A monthly automatic payment to a Wells Fargo Home Equity/Personal Loan, Line of Credit or Wells Fargo Home Mortgage *The Opportunity Savings account is the only savings account that counts towards Package Level requirements. **Qualifying monthly direct deposit can be used to meet both Account and Package Level requirements. Overdraft/Insufficient Funds: $ Bounced Returned Check: $ Out of Network ATM: Access to funds thru Out-of Network ATM. No deposit at ATM is allowed. Alternative IDs Accepted: As primary identification. Secondary identification may be Requested. Mexican Matricula Consular ID Guatemalan Consular ID 1

34 Other: Columbian Consular ID, El Salvador (DUI) Card Primary identification requirements for Wells Fargo are as follows: Is government issued; if issued by Foreign Government must be printed in English; contains a document/ identification number; contains individual s photo; contains holder s name; is not expired; contains individual s current physical address and contains individual s signature Secondary: Secondary identification requirements for Wells Fargo are as follows: Name must match name on primary identification; issued by a recognized business, educational institution or government agency, contains signature or picture of individual that matches the primary identification; is not expired; contains the individual s current physical address if the primary ID does not. ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Less than 1 year old Remittance product Wells Fargo does offer an International Remittance product separate from product above. Must pass ChexSystems to open. Wire Transfer Money Orders Financial Education Training thru Hands On Banking Other: Participating Branches: All Wells Fargo Bank Branches 2

35 Woodforest National Bank Absolutely Free Checking Opening Deposit Requirements: $25.00 Minimum Balance: None Checks (unlimited check writing)** Debit Card (unlimited transactions - $12 annual fee) Free Online Banking Free Bill pay Free Daily Notifications Free Monthly E-Statements Free Telephone Banking 8pm Deposit Cutoff Time, Immediate Availability of deposits, Open 7-Days a Week Monthly Fee: Absolutely Free- no monthly service charge Overdraft/Insufficient Funds: $ Out of Network ATM: $ 2.00 (domestic balance inquiry), $ 1.00 (domestic funds transfer or withdrawal), $ 2.00 (any foreign transaction)

36 Alternative IDs Accepted: State Driver License or ID as primary identification. Secondary identification may be requested. Mexican Matricula Consular ID** Guatemalan Consular ID Other: Alien registration card Secondary: Recent utility bill, residential lease or rental agreement, student ID card (U of H branch only) **See Retail Banker for more details ChexSystems Policy: Account available for persons with NSF/OD history on ChexSystems. Over 1 year old Transfer Fee Less than 1 year old 24 hour in-store branches (5 locations in the Houston area) Wire Transfer: $10 Receive Fee, $15 Domestic Transfer Fee, $ 65 International Money orders: 25 cents (Account holder) Financial education training (Banking GPS See Retail Banker for more details) Other: Non-Interest bearing Extended Hours (visit woodforest.com) This product information is current as of August 1, 2009 and is subject to change without prior notice. Please contact your local branch or visit us online at Woodforest.com for additional contact options. WOODFOREST NATIONAL BANK TX BRANCH INFORMATION HARRIS COUNTY BRANCH NAME STREET CITY COUNTY STATE ZIP CODE PHONE NUMBER TX Houston- I-10 East Freeway East Freeway Houston Harris TX TX Houston- Normandy Woodforest Blvd #390 Houston Harris TX TX Houston- Uvalde 80 Uvalde Houston Harris TX TX Houston- I East Freeway Houston Harris TX TX Pasadena- Fairmont 5200 Fairmont Parkway Pasadena Harris TX TX Channelview- Sheldon 528 Sheldon Road Channelview Harris TX

37 TX Highlands 420 South Main Highlands Harris TX TX Baytown- Garth 6902 Garth Road Baytown Harris TX TX Baytown 4900 Garth Road Baytown Harris TX TX Houston- Ripple 4810 Highway 6 North Houston Harris TX TX Houston- North Gessner 2740 Gessner Drive Houston Harris TX TX La Porte- Spencer 9025 Spencer Highway La Porte Harris TX TX Houston FM 1960 West Houston Harris TX TX Houston- Andrau 2700 South Kirkwood Drive Houston Harris TX TX Houston- Beechnut 3506 South Highway 6 Houston Harris TX TX Kemah 255 FM 518 Kemah Galveston TX TX Missouri City 5501 Highway 6 Missouri City Fort Bend TX TX Cypress North Eldridge Pkwy Cypress Harris TX TX Houston- Gallery 6006 North Freeway Houston Harris TX TX Houston- South Gessner TX Houston- Wallisville 24 hr location South Gessner Houston Harris TX East Sam Houston Pkwy Houston Harris TX TX Houston- Westheimer 2727 Dunvale Houston Harris TX TX Houston- Tidwell 5620 West Tidwell Houston Harris TX TX Crosby FM 2100 Suite 300 Crosby Harris TX TX Crosby FM 2100 Crosby Harris TX TX Houston- Hillcroft 9700 Hillcroft Street Houston Harris TX TX Pearland 1710 Broadway Street Pearland Brazoria TX TX Pearland- Main Street 1919 North Main Street Pearland Brazoria TX TX League City 1701 West FM 646 League City Galveston TX TX Houston- Elmsworth 9460 W Sam Houston Parkway Houston Harris TX TX Houston- Almeda 9598 Rowlett Houston Harris TX TX Sealy 310 Overcreek Way Sealy Austin TX TX Humble- Atascocita W Lake Houston Humble Harris TX Pkwy TX Kingwood 2165 Northpark Drive Kingwood Harris TX TX Humble- Atascocita 24 hr location TX Humble- Atascocita Forest 6626 FM 1960 East Humble Harris TX Atascocita Road Humble Harris TX TX Humble 9451 FM 1960 Bypass Humble Harris TX TX Humble- Atascocita Plaza TX Kingwood- Kings Harbor Plaza 6400 FM 1960 East Humble Harris TX W Lake Houston Pkwy Kingwood Harris TX TX Cypress- Barker 8195 Barker Cypress Road Cypress Harris TX Cypress TX Bay City th Street Bay City Harris TX

38 TX Richmond 5660 W Grand Parkway Richmond Fort Bend TX TX Houston- NW Freeway 24 hr location TX Humble- Redstone Northwest Freeway Houston Harris TX N Sam Houston Pkwy E Humble Harris TX TX Katy 6060 N Fry Road Katy Harris TX TX Spring- Louetta 6918 Louetta Spring Harris TX TX Spring- Louetta 155 Louetta Crossing Spring Harris TX TX Houston FM 1960 Road West Houston Harris TX TX Tomball Tomball Parkway Tomball Harris TX TX Tomball- Medical 602 Lawrence Tomball Harris TX Center TX Katy- Mills Market Place Drive Katy Harris TX TX Houston- Fry Road 1313 Fry Road Katy Harris TX TX Copperfield FM 529 Houston Harris TX Tomball TX FM 2920 Tomball Harris TX TX Houston Tomball Parkway Houston Harris TX TX Spring- FM FM 2920 Spring Harris TX TX Cypress North West Freeway Cypress Harris TX TX Spring- Kuykendahl Kuykendahl Road Spring Harris TX TX Houston- Bammel 3450 FM 1960 West Houston Harris TX TX Tomball- Parkway Tomball Parkway Tomball Harris TX TX Houston- Gulf 5808 Gulf Freeway Houston Harris TX Freeway TX Houston- U of H 274 University Center Houston Harris TX Sugarland TX Walmart 345 Highway 6 Sugar Land Harris TX Alvin TX Walmart 400 South Bypass 35 Alvin Brazoria TX Angleton TX Walmart 1801 North Velasco Angleton Brazoria TX TX Friendswood- Webster 150 West El Dorado Blvd Friendswood Harris TX TX Spring- Champion Champion Forest Dr Spring Harris TX Forest Missouri City TX Kroger Hwy 6 Missouri City Fort Bend TX Pearland TX Kroger Shadow Creek Pkwy Pearland Brazoria TX Barker Cypress TX Kroger FM 529 Suite A Cypress Harris TX Liberty TX Walmart 2121 Highway 146 Bypass Liberty Liberty TX MONTGOMERY COUNTY ZIP PHONE BRANCH NAME STREET CITY COUNTY STATE CODE NUMBER TX Porter US Highway 59 Porter Montgomery TX TX The Woodlands- Cochrans Crossing TX The Woodlands- Alden Bridge 4747 Research Forest The Woodlands 8000 Research Forest The Woodlands Montgomery TX Montgomery TX TX Conroe 2222 IH-45 North Conroe Montgomery TX

39 TX The Woodlands- Waterway 1599 Lake Robbins Ste 100 The Woodlands Montgomery TX TX Spring- Rayford 327 Rayford Road Spring Montgomery TX TX Conroe West Davis Conroe Montgomery TX TX Conroe- Research Forest I-45 South Suite 100 Conroe Montgomery TX TX Conroe- Downtown 400 West Davis Conroe Montgomery TX TX Conroe 24 hr location TX The Woodlands- Sawdust 1407 North Loop 336 West Conroe Montgomery TX Sawdust Road The Woodlands Montgomery TX TX Willis 550 Montgomery Street Willis Montgomery TX TX Magnolia FM 1488 Suite 100 Magnolia Montgomery TX TX The Woodlands- Grogans 7 Switchbud Suite 198C The Woodlands Montgomery TX TX Conroe- River Pointe 200 River Pointe Drive Conroe Montgomery TX TX Magnolia FM 1488 Suite 110 Magnolia Montgomery TX TX The Woodlands- Town Center 1330 Lake Robbins The Woodlands Montgomery TX TX Conroe- Loop Loop 336 East Conroe Montgomery TX TX Magnolia FM 1488 Magnolia Montgomery TX TX The Woodlands- Sterling Ridge Kuykendahl The Woodlands Montgomery TX TX Conroe- College Park 3060 College Park Drive Conroe Montgomery TX TX Montgomery- Trace A Eva Street Montgomery Montgomery TX TX The Woodlands hr location TX Conroe- Frazier Frutilandia TX Spring- Louetta and Ella TX Shenandoah- Research Plaza 3040 College Park Drive The Woodlands Montgomery TX South Frazier Conroe Montgomery TX Louetta Road Spring Harris TX Research Forest Drive Shenandoah Montgomery TX TX The Woodlands- West Woodlands Parkway The Woodlands Montgomery TX TX Conroe- Lake State Highway 105 W Conroe Montgomery TX TX Willis 402 South Danville Willis Montgomery TX Shenandoah TX Sam's I-45 S Shenandoah Montgomery TX Spring TX Kroger 2301 Rayford Rd Spring Montgomery TX