Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Checking Accounts

All of Our Personal Checking Accounts Include

  • Free Online Banking
  • Telephone Banking
  • Free ZNB Debit Card
  • Mobile Banking
  • Bill Pay

Free Checking

  • Minimum Opening Deposit - $50.00
  • Truncated Account
  • No minimum balance
  • No maintenance charge
  • Duplicate checks required
  • Free initial order of 50 duplicate checks

Regular Checking

  • Minimum Opening Deposit - $100.00
  • Image Statement Account
  • Minimum for No Maintenance Fee - $750.00
  • Maintenance Fee Below Minimum / Month - $9.00

NOW Checking

  • Minimum Opening Deposit - $1,500.00
  • Interest Bearing Account
  • Image Statement Account
  • Minimum for No Maintenance Fee - $1,500.00
  • Maintenance Fee Below Minimum / Month - $9.00
  • Minimum To Obtain Annual Percentage Yield Disclosed - $1,500.00

Zapata NOW

  • Minimum Opening Deposit - $5,000.00
  • Interest Bearing Account
  • Image Statement Account
  • Minimum for No Maintenance Fee - $5,000.00
  • Maintenance Fee Below Minimum / Month - $10.00
  • Minimum To Obtain Annual Percentage Yield Disclosed - $5,000.00

Interest Bearing Account Disclosure

Interest rate and annual percentage yield may change.
We may change the interest rate on your account at any time.
At our discretion, we may change the interest rate on your account.
Interest will be compounded and credited to your account every month.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

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