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Texas Gulf Bank

Checking that fits how you actually bank

Four personal accounts, one local bank. Whether you want free interest checking, simple everyday banking, or tiered rates on higher balances — pick in two minutes, open at a branch or online.

Compare all four accountsExplore by need

Start with what matters to you.

Gulf Advantage Checking

Most popular

Free interest checking that rewards everyday use

$0/ month

No monthly maintenance fee, period

Right for: Everyday banking with direct deposit and a debit card

What's included ▾

To earn interest + ATM refunds each month:

  • 12+ debit card purchases post & clear per qualification cycle
  • 1+ automatic payment or direct deposit posts per cycle
  • Enroll in free e-statements
Open this account

Portside Personal Checking

Everyday checking with no strings attached

$7 or $0/ month

Waived with a $700 average daily balance — or at any balance for age 62+

Right for: Simple everyday checking — no debit counts, no direct deposit required

What's included ▾
Visit a banker to open

Gulf Rewards Checking

One relationship, one statement, real perks

$10 or $0/ month

Waived with $3,000 combined across all your personal TGB accounts

Right for: Families with several TGB accounts who want one combined statement

What's included ▾
Visit a banker to open

Looking for tiered rates on larger balances? Our VIP High Yield Checking is compared below.

The differences that matter, side by side.

As published on the Personal Checking Comparison Chart.

Personal checking account comparison
AccountGulf Advantage CheckingPortside Personal CheckingGulf Rewards CheckingVIP High Yield Checking
Minimum opening deposit$50$100$100$1,000
Monthly maintenance fee$0$7 or $0*$10 or $0*$10 or $0*
Balance to avoid the feeN/A — no monthly fee$700 avg daily balance, or age 62+$3,000 combined personal TGB balances$2,500 avg daily balance
Earns interestYesNoNoYes — tiered
Unlimited check writingYesYesYesYes
Visa® Debit CardYesYesYesYes
Free online banking + bill payYesYesYesYes
ATM fee refunds nationwideUp to $35/month when you qualify———
OpenContact a bankerContact a bankerOpen

* Monthly maintenance fee is waived when the stated balance requirement is met. See Account Details for complete requirements.

Ready when you are.

Open online in minutes, stop by any of our nine banking centers, or call and talk to a local banker.

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Prefer to talk it through? 800.467.7216