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Your banking.
Your decisions.

Choose from checking and savings accounts designed to provide convenience and peace of mind.

A smiling woman sits at a desk in a bank setting and signs a document A smiling woman sits at a desk in a bank setting and signs a document

Personal Checking

In addition to a regular checking account, we offer YNB Elite Checking. This account includes additional security features as well as discounts on financial services and everyday purchases.

  • Cartoon vector small business checkbook and pen icon

    Regular Checking

    • Unlimited check writing
    • Online banking
    • No minimum balance
    • Instant issue debit cards available
    • Minimum $100 to open

  • YNB Elite Checking

    • Unlimited check writing
    • Online banking
    • Complimentary initial check order*
    • Instant issue debit cards available
    • Identity theft monitoring and resolution service*
    • Shopping Rewards™, providing exclusive offers and discounts at thousands of leading online retailers*
    • Debit Advantage providing buyer’s protection and extended warranty on select purchases*
    • Many additional benefits*
    • Low monthly service fee of $5
    * View full benefits, details, and disclosures here

Personal Savings

In addition to a traditional savings account, we also offer two types of money market accounts that can earn you additional interest.

Contact us today to discuss which type of savings account would be best for your needs.

Need to order checks?

As a YNB customer, your checks are provided by Harland Clarke and are equipped with industry-leading security features.

Re-order checks

Want to check your Elite rewards?

YNB Elite Checking account holders can log in here to review your rewards and benefits.

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We’re here with a helping hand.

We’ll work with you to determine which accounts are best for your particular needs. Submit a message or give us a call at  and we’ll get back to you within one business day.

Submit a message

The Yoakum National Bank Mobile App

Conveniently manage your accounts anytime, anywhere with features including:

  • Funds transfer between eligible accounts
  • Mobile deposit
  • Online bill payment
  • Make loan payments
  • Card management
  • E-statements
  • Account alerts
  • ATM branch locator
  • Statement retrieval
  • ACH origination
  • Wire transfers

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Frequently Asked Questions

  • You will need to provide a government-issued photo ID and a Social Security card.

  • • Security Weave® – A patented, highly intricate design that is extremely difficult to duplicate.
    • Photo Safe Deposit® – Mobile deposit fraud prevention features are incorporated on the check.
    • MobileMark® – A checkbox that allows customers to keep track of checks deposited via mobile deposit.
    • CheckArmor – CheckArmor offers personal or business check buyers check fraud restoration services, including, check replacement and advancement of funds for losses from the affected checking account, (up to $2,500 on personal checks and up to $25,000 on business checks) based upon a fraudulent act that involves checks from an eligible check order.

  • We offer a self-enrollment feature that allows you to answer credit report-related questions to validate your identity. Once your request is approved, a link will be emailed and you will be prompted to enter a code that you provided in the enrollment process. Finally, create your login credentials for banking on the go!

  • Customers who wish to receive an electronic statement instead of a paper statement can easily enroll on their mobile device or web browser through the online banking platform. Simply click the ‘Statements’ option in the navigation bar and then select your document type and account you wish to view. You will be prompted to accept the terms and conditions for use of the feature and be automatically enrolled to receive electronic statements. Once set up, you will receive an email when your statement is available to view through the online banking platform.

  • Use the link to order checks by entering the bank’s routing number (114902227), your account number, and your 5-digit zip code and then selecting the account type. Customers can browse the catalog to find the perfect check design for their personality and several different styles for your banking needs.