Personal Checking Accounts

PlainsCapital Bank lets you choose your checking! Thanks to six attractive checking accounts, you're free to select the account that best matches your personal style and individual needs. If you already have a PlainsCapital Bank Checking Account and would like to convert it to one of our new accounts, you can do so by logging in to Internet Banking or by speaking with a representative at any PlainsCapital branch location.

I Want to Earn Interest

Premier Checking

Make the most of your money. Premier Checking is the right choice if you maintain a higher checking balance and want to earn higher rates. As your balance grows, so does your interest rate. Plus, you can take advantage of PlainsCapital Bank’s
premier-level perks.

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Preferred Checking

Preferred Checking not only earns you interest, but it’s also loaded with extras. You’ll receive special perks on your ATM withdrawals, as well as Bill Pay. Plus, you can take advantage of unlimited check-writing, a Buffalo Rewards Debit Card, and the first box of checks at no charge.

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Golden Checking

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.

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I Want No Minimum Balance

Youth Debit Account

It's never too early to start learning how to bank responsibly. Your children under the age of 18 can learn how to budget without the risk of overdrafts or minimum balance fees. 

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Select Checking

Select Checking is the account for the person who wants it all. Special perks on ATMs and Bill Pay, a free first box of checks, a free debit card, unlimited check-writing, AND no minimum balance.

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Simply Free Checking

Looking for a simple checking account that still has a lot to offer? Our Simply Free Checking offers unlimited check-writing and transactions with no minimum balance or monthly fees.

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Compare All Checking Accounts




1Parent or guardian must be a co-owner of the account.
2Free checks are bank stock checks only.
3Must request rate bonus when opening or renewing CD. Rate bonus not available on CD specials.
4For one year. Size is 3x5x21 inches, where available, or a $15 credit toward a larger box.
5Refund of foreign ATM fees will be deposited on the day of the withdrawal.

6PlainCapital charges $1 for each withdrawal from another banks’ ATM. Additional charges from other financial institutions may apply.
7Each additional bill payment, person-to-person payment, or external transfer is $1.
8Includes Mobile Deposit and Mobile Bill Pay. Standard data fees from your mobile provider apply. Restrictions and qualifications apply.
9Standard data fees from your mobile provider apply. Restrictions and qualifications apply.