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Sunday, April 26 from 10:00 p.m. to 12 a.m., PlainsCapital.com website will be unavailable due to regularly scheduled maintenance. We apologize for any inconvenience.

Business Checking

No Checking Account Works Harder for Your Success

Choosing a bank for your business is more than a matter of convenience. It’s a sign of trust. Our clients choose PlainsCapital for products that work and service that makes a difference.

 

Commercial
All Access

Business Plus​

Business Interest​

Business Free 

Best for you if your business has...

High balances, high volumes, and sophisticated Treasury Management needs

Moderately high balances, moderately high volumes, and some Treasury Management needs

Basic banking needs, no Treasury Management needs, and a desire to earn interest

Basic banking needs, lower volumes, and no Treasury Management needs

Minimum daily balance to avoid monthly maintenance fee

None 

None

$1,500

None

Monthly maintenance fee

$17

$12

$10 if minimum balance not met

None

Minimum opening deposit

$100

$100

$1,500

$100

Interest

None; sweeps available1

None; sweeps available1

Yes; flat rate on balances $1,500 and over

None

Earning Credit

Included

Included

None

None

Deposited items without a fee

Speak with a PlainsCapital representative for more information

200 per month2

100 per month2

100 per month3

Non-Card Transactions​ without a fee

Speak with a PlainsCapital representative for more information

100 per month4

100 per month4

100 per month4

Change Orders without a fee

Speak with a PlainsCapital representative for more information

$10,000 currency and 10 coin rolls per month5

$5,000 currency and 5 coin rolls per month5

​$5,000 currency and 5 coin rolls per month5

Cash Deposited without a fee

Speak with a PlainsCapital representative for more information

$10,000 per month6

$5,000 per month6

​$5,000 per month6

Online Bill Payments without a fee

Speak with a PlainsCapital representative for more information

10 per month7

10 per month7

10 per month7

Treasury Management Services 

Access to full suite of advanced services

Access to Treasury 1.0 and 2.0 packages; other services available

Not available

Not available

Mobile Banking​

Yes

Yes

Yes

Yes

Online Banking

Access to TreasuryHQ

Access to TreasuryHQ

Basic Online Banking 

Basic Online Banking 

PlainsCapital ATMs

Unlimited

Unlimited 

Unlimited 

Unlimited 

Debit Card Transactions

Unlimited

Unlimited

Unlimited

Unlimited

Business Debit Card 

Yes

Yes

Yes

Yes

​eStatements 

No additional fee for eStatements8

Yes

Yes

Yes

Voice Banking

Yes

Yes

Yes

Yes

FDIC Insurance

Insured up to the maximum allowable by law

Insured up to the maximum allowable by law

Insured up to the maximum allowable by law

Insured up to the maximum allowable by law

Discretionary Overdraft Privilege Service

Not Available

Available

Available

Available

 

1  Sweep fees apply.
2  The fee for each additional deposited item is $0.15.
3  SThe fee for each additional deposited item is $0.20.
4  The fee for each additional non-card item is $0.50.
5  The fee for each $1,000 in currency beyond the monthly allowance is $0.50, and the fee for each coin roll beyond the monthly allowance is $0.08.
6  The fee for each $1,000 deposited beyond the monthly allowance is $1.
7  The fee for each additional online bill payment beyond the monthly allowance is $1.
Standard statement fees apply.