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Last Updated: 01/21/2026

City Bank Interest Checking

from City Bank

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users recommend

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

Starting at 0.01%(Verified 06/21/2024)

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Monthly Maintenance Fee

$12(Verified 01/21/2026)

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City Bank Interest Checking Review

The City Bank Interest Checking is offered by City Bank, a credit union founded in 1941 and based in Lubbock, TX. City Bank Interest Checking is available in 2 states.

Key Takeaways

Charges a monthly fee. This account charges a monthly fee of $12, but the fee may be waived if you keep a minimum balance of$1,500.
Large minimum initial deposit. You need a minimum deposit of $1,500 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in City Bank mobile or online banking.

City Bank Interest Checking Pros & Cons

Pros

Cons

Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Does not earn interest.
Does not provide access to a nationwide ATM network.
Only available in 2 states.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

City Bank Interest Checking FAQ

Are checking accounts from City Bank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #25103). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does City Bank Interest Checking offer?

City Bank Interest Checking offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $1500.

City Bank Interest Checking Rates and Terms

Rates

Amount

APY (Annual Percentage Yield)

0.01%

What are the account minimums for City Bank Interest Checking?

City Bank Interest Checking requires a minimum initial deposit of $1,500.

City Bank Interest Checking Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $1,500

Minimum Balance to Earn APY

$1,500

Minimum Opening Deposit

$1,500

What fees does City Bank Interest Checking charge?

This account charges a monthly maintenance fee each statement cycle of $12.

City Bank Interest Checking Fees

Description

Monthly Maintenance Fee

$12

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1.5

NSF Fee

$33

Overdraft Item Fee

Starting at $33

Early Account Closure

Starting at $15

Returned Deposit Fee (Domestic)

Starting at $33

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $33

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20

Wire Transfer Fee - International (Outgoing)

Starting at $70

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $33

Wire Transfer Fee - US Domestic (Incoming)

Starting at $10

Does City Bank Interest Checking charge overdraft fees?

Yes, City Bank Interest Checking charges a $33 fee for every overdraft.

What features and perks does City Bank Interest Checking offer?

This account includes the following features:

Fraud monitoring - City Bank Interest Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - City Bank Interest Checking allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.

What is the customer support email for City Bank Interest Checking?

The customer support email for City Bank Interest Checking is support@citybanktexas.com.

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Message from City Bank Interest Checking

Make your money work for you. Designed for our customers that maintain higher balances, City Bank Interest Checking combines the best features of a checking account and a savings account. Earn a competitive interest rate on your balance yet still have easy access to your money for everyday needs. Write checks, use a debit card, make transfers, all while earning a return on your cash—it’s the best of both worlds.

City Bank Interest Checking returns a market rate of interest along with a full array of services. You’ll get unlimited checking, a Debit Card1 with no fees, free online banking and bill pay, and more. All of these features are available with no service charge if you maintain a minimum daily balance of $1,500 or more. No other bank offers you so many convenient ways to manage your money, all while earning interest on your checking account balance. Learn more about City Bank Interest Checking and how it can benefit you by calling us.

Contact

Headquarters

5219 City Bank Pkwy

Lubbock, TX 79407

Visit Site

Email Support

Hours of Operation

SundayClosedMondayInvalid DateTime - Invalid DateTimeTuesdayInvalid DateTime - Invalid DateTimeWednesdayInvalid DateTime - Invalid DateTimeThursdayInvalid DateTime - Invalid DateTimeFridayInvalid DateTime - Invalid DateTimeSaturdayClosed

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

Disclaimer popup with additional information

Monthly Service Fee

$0 - $5

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