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Personal Banking

Ciera Bank provides a variety of checking, savings and loan options to fit virtually any individual or lifestyle need. If you don’t see the premiere solution that you’re looking for, let’s talk about it. We have branches all over North Texas ready to serve.

Ciera Checking

Ciera Bank offers multiple checking plans to suit your personal needs, giving you access, freedom of choice and convenience whenever you need it. Our non-interest bearing checking solutions include low minimums to open, flexible terms, and unlimited withdrawals and/or debit card usage.

Additional membership benefits may also apply. Enroll today, or meet with a Ciera Banker at one of our convenient Texas locations to find which checking account is right for you.

ProductMinimum to OpenService Feese-StatementsPaper Statement
This account includes check truncation (making record keeping especially easy) as well as unlimited withdrawals.
$100.00 $3.00/mo on balances less than $100.00 Yes* $3.00/mo
This is an unlimited, debit card only account made especially for the active consumer.
$100.00   Yes* No
Enjoy paper or paperless statements, unlimited withdrawals, plus membership benefits.
$100.00 $10.00 Yes* Optional
Enjoy paper or paperless statements, unlimited withdrawals, membership benefits and super low fees on daily balances >$500.00
$100.00 $7.00/mo if daily balance falls below $500.00 Yes* Optional

*requires enrollment in online banking. Monthly statements will be sent electronically via E-Statements

Ciera Personal Savings

Opening a savings account is a great way to earn extra interest on your money, while also maintaining access to the balance in case you need it. With low minimums to open, and up to 6 withdrawals or transfers per monthly cycle, it’s the best of both worlds. Talk to one of our bankers for more information, or enroll.

  • $100.00 minimum deposit to open
  • No fees for daily balances over $200.00
  • Competitive interest rates

Enroll in Online Banking Now or contact us to get set up.

Money Market Accounts

A money market account has characteristics similar to both checking and savings accounts, but typically earns a higher rate of interest due to being based on current money markets. Account holders enjoy easier accessibility than afforded with other types of checking/savings accounts, plus FDIC protection.

Ciera Money Market Checking

  • $1,000.00 minimum to open
  • No monthly fees on daily balances greater than $1,000.00*
  • Unlimited Withdrawals
  • Option of paper statement or E-Statement
  • Includes both check writing and debit card privileges.

* A $10.00 monthly service fee will apply if the daily balance is less than $1,000.00.

Ciera Money Market Savings

  • $2,500.00 minimum to open
  • No monthly fees on daily balances greater than $2,500.00*
  • Up to 6 checks, debits, ACH (or combination of) per monthly statement **
  • Option of paper statement or E-Statement

* A $10.00 monthly service fee will apply if the daily balance is less than $2,500.00.

**Excess withdrawals beyond what is allotted, will be assessed a $5.00 fee per item.

Individual Retirement Account (IRA)

An Individual Retirement Accounts (IRA) provides a means of savings for retirement no matter what stage of life you’re in. Not only do IRA participants not have to pay taxes on earnings—gains, interest, or dividends—but these untouched compounded savings can really add up over time.

Traditional and Roth IRAs are available. A $100.00 minimum is required regardless of which you choose. Call us to discuss your retirement goals, and which IRA is right for you.

Call 940-549-2040

Certificate of Deposit (CD)

CD’s are an FDIC insured, no/low risk savings option allowing account holders to earn compounded interest on their untouched deposit over a particular timespan. Achieving maturity anywhere from 90 days to 5 years, and with low minimums to get started, CD’s provide a flexible, safe and secure savings option that fits virtually any individual need.

  • Fixed and variable rate options available
  • Available for both short- or long-term options (90 days – 60 months)
  • Secured with as little as $50.00 minimum deposit on select CDs

Visit your local branch, or call us for additional details and current rates.

Health Savings Account (HSA)

An HSA helps those with HSA-qualified health plans shoulder the burden of many out-of-pocket medical expenses like office visits, prescription, vision and dental. Contributions are excluded from gross income, interest on the balance is tax deferred, and distributions for qualified medical expenses are tax-free. Please speak with a Ciera Bank representative for more information or visit the Department of the Treasury for more details.

  • Contributions remain in your account – year to year
  • Stays with you even if you leave your employer or work force
  • Converts to a taxable "savings" account at 65 freeing the balance to be used for any purpose
  • Can be transferred to a spousal beneficiary upon death
  • Minimum balance of $100.00 to open
  • Includes automatic monthly transfers from your checking/savings
  • Monitored via Online Banking and/or monthly statement
  • FDIC insured

Mortgage Loan

Buying a home, building one, updating your existing residence, or borrowing against your home to get what you want, are all very important decisions that can decide the quality of your financial future for years. Ciera Bank has a highly experienced staff ready to help guide and assist you with the information you need to make well informed decisions. Ciera Bank offers many loan options designed to assist you specifically, such as:

  • Bank retained mortgages
  • USDA, FHA, VA, and Conventional Loans
  • Primary or Secondary Homes
  • Jumbo Loans
  • Residential Lot purchases

Your Ciera Bank expert can guide you through the entire loan process and assist you in choosing the right mortgage product for your specific needs and circumstances. Please check out the mortgage calculator and call 940-549-2040 to speak with your Ciera Bank Home Loan Expert.

Ciera Bank is an Equal Housing Lender.

NMLS# 456951

Interim Construction

A construction loan provides you with the money necessary to build your new home from start to finish. With a construction loan from Ciera Bank, you will be able to pay your builder in stages based on the progress of construction.

  • Loans may include the purchase price of the lot
  • Only pay interest on the amount you draw
  • No prepayment penalties
  • Good for making home improvements as well

Home Equity -
Term and Lines of Credit

Use the equity in your home to pay for home improvements or other major expenses by getting a Ciera Bank Home Equity Loan or Home Equity Line of Credit (HELOC). 

Home Equity Term Loan

  • Installment loan in which all funds are advanced in one lump sum
  • Secured by first or second lien on your home

Visit your local branch or call us today at 940-549-2040.

Home Equity Line of Credit (HELOC)

  • Have revolving access to funds during the draw period
  • Make interest-only payments during the draw period
  • After the initial draw period ends, the outstanding balance will be paid based on the remaining amortization period using monthly payments of principal and interest
  • Secured by a first or second lien on your home

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Personal Lines of Credit (PLOC)

A personal line of credit is very similar to a credit card, without actually being one. Rather, it’s an unsecured revolving account (variable interest rate) giving you short term freedom to cover your bills/obligations, or even pursue any number of consumer interests like buying new furniture for your home or taking a vacation. The money is yours to use as you please.

Speak to one of our credit specialist to learn more.

Auto / Boat / RV Loans

Ciera Bank handles new and used vehicle financing with competitive rates and agreeable terms. Application process and qualifications may vary.

Associated Services

Mobile Banking
Online Banking
Safe Deposit Boxes

Foreign Currency
Debit & ATM Cards
Voice Banking
Overdraft Protection
Remote Deposit Capture

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