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Account Comparison

 Compare our checking accounts

Which PlainsCapital checking account is right for you?  Use our handy comparison chart to find out. 

 

Premier
Checking​
Preferred
Checking
Select
Checking​
Simply Free
Checking
Golden
Checking​
Apply now​ Apply now Apply now Apply now​ Apply now​
Best if you want...​ Tiered interest
rates and our top-
of-the-line
checking services
​To earn a flat
interest rate and
enjoy additional
account services
​To pay a small
monthly fee for
more services
without keeping
a minimum
balance
​Basic checking
services with
no minimum
balance or
monthly fee
​Perks and
checking
services for
seniors aged
55+
Minimum to avoid monthly fee ​$5,000 in
Premier
Checking or
$10,000 in
Premier
Checking and
Money Market
combined
$1,500
​None ​None ​$1,000 minimum daily balance or monthly direct deposits totaling $500 or over 
Monthly fee

​$15 if minimum
balance not met

​$10 if minimum
balance not met
​$5 regardless of
balance
​None ​$5 if minimum
balance not met
Minimum opening deposit
​$5,000 ​$1,500 ​$50 ​$50 ​$50
​Interest

​Tiered rate
​Flat rate
​No ​No ​Flat rate on balances $1,000 and over
Account Extras
​Bonus on
balances over
$25,000 in a
linked Money
Market Account
​None ​None ​None ​Free notary
service, rate
bonus on
CDs1 , free
small safe
deposit box2
EZShield® ID Theft Protection Included
Available for a $5 monthly fee ​Available for a
$5 monthly fee
​Available for a
$5 monthly fee
​Included
​ATM Fee Refunds3 Refund of other
banks' ATM fees
​5 refunds of other
banks' ATM fees
per month with
$100 minimum withdrawal
​5 refunds of
other banks'
ATM fees per
month with $100 minimum
withdrawal
None4
​5 refunds of
other banks'
ATM fees per
month with
$100 minimum withdrawal
Free PlainsCapital ATMs​

Unlimited free transactions Unlimited free transactions Unlimited free transactions Unlimited free transactions Unlimited free transactions
Free bank stock check orders

​Unlimited
​First box
​First box
​None
​One box free per year
​Free bill payments per month5


​Unlimited
​Up to 15 free payments per
month
​Up to 10 free payments per
month
​Up to 5 free payments per
month
​Up to 10 free payments per month
​Statements eStatements or paper ​eStatements or paper eStatements or paper
eStatements required
 
​eStatements or paper
Unlimited free check-writing​ ​Yes
​Yes
​Yes
​Yes
​Yes
Good Guys Visa® Debit Card
​Yes
​Yes
​Yes
​Yes
​Yes
Free Mobile
Banking
6

​Yes
​Yes
​Yes
​Yes
​Yes
Free Internet
Banking

​Yes
​Yes
​Yes
Yes
​Yes
Free Voice Banking

​Yes ​Yes ​Yes ​Yes
Yes
FDIC Insurance ​Insured by the
 FDIC up to the maximum
amount allowable by law
​Insured by the
FDIC up to the maximum
amount allowable by law
​Insured by the
FDIC up to the maximum
amount allowable by law
​Insured by the
FDIC up to the maximum
amount allowable by law
​Insured by the
FDIC up to the maximum
amount allowable by law
Free Direct Deposit​

Yes
​Yes ​Yes ​Yes
Yes
Personal lines of credit available7 
Yes
​Yes ​Yes ​Yes
​Yes
 
   

 1.Not available on CD specials.
2.For one year. Size is 3 by 5 by 21 inches, Where available.
3.Maximum refund of $5 for each foreign ATM transaction.
4.PlainsCapital charges a $1 for each foreign ATM withdrawal
5.Each additional bill payment is $1.
6.Standard data fees from your mobile provider apply.
7.Upon credit approval.