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Golden Checking

 Experience Has Its Rewards

If you’re 55 or older, our Golden Checking account offers you unlimited check-writing and free PlainsCapital ATM withdrawals. Age also has its perks thanks to Golden Checking’s competitive interest rates, free notary service and free Premier Protect.

Account Features

  • Flat interest rate earned on any balance of $1,000 or more
  • Free PlainsCapital ATM withdrawals
  • Five free refunds of other banks’ ATM fees per month with $100 minimum withdrawal1
  • Free PlainsCapital Good Guys Visa® Debit Card issued instantly during account opening2
  • Unlimited check-writing
  • One free box of bank stock checks per year
  • Free Mobile Banking3
  • Free Internet Banking with Bill Pay
  • 10 free online bill payments per month4
  • Free EZShield® ID Theft Protection
  • Free notary service
  • Free 3” by 5” by 21” safe deposit box5
  • Premium rates on new CDs and CD renewals6
  • Free eStatements
  • Free Voice Banking
  • Free direct deposit of recurring deposits
  • Personal line of credit available with credit qualifications


  • $50 minimum opening balance
  • $1,000 daily minimum balance or monthly direct deposits totaling $500 or more 
  • $5 monthly maintenance fee if minimum daily balance or direct deposit not met
  • Must be age 55 or over

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1.Maximum refund of other banks’ ATM fees is $5 per withdrawal.
2.Instant-issue debit cards must be activated before use.
3.Standard data fees from your mobile provider apply.
4.Each additional payment is $1.
5.Size is 3x5X21 inches. Where available. For one year only.
6.Excludes CD specials.