Personal Checking Accounts
At PlainsCapital Bank, we strive to make banking as convenient as possible for you. We provide personal service and account features to help simplify your life. Whether you need basic or top-of-the-line checking, we’ve got the account that’s right for you.
An Account for Everyone
PremierAccess
PremierAccess is the right choice if you maintain a higher checking balance with an interest to earn higher rates and receive premier-level perks. As your balance grows, so does your interest rate.
TotalAccess
TotalAccess gives you complete control of your finances with convenient banking anytime, anywhere. Enjoy special features such as Online & Mobile Banking, Mobile Deposit and Bill Pay.
Protect and Serve
To thank you for your service and sacrifice, we’re offering the Protect and Serve account to first responders and military personnel. Reliable banking with no minimum balance & no monthly fee!
Youth Debit Account
It's never too early to start banking responsibly. With the Youth Debit Account, 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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Best if… |
You want a top-of-the-line checking account and are able to maintain a minimum daily balance of $5,000 |
You want total access to our account features without having to maintain a $5,000 minimum balance to avoid or reduce fees |
You protect and serve our country or our communities as a first responder or military personnel7 |
A basic account for customers under 18 |
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Interest
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Tiered interest on balance of $5,000 or more |
None |
None |
None |
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Free Mobile Banking1 |
Includes 24/7 access to: mobile deposit, bill pay, people pay, card controls and cardless cash |
Includes 24/7 access to: mobile deposit, bill pay, people pay, card controls and cardless cash |
Includes 24/7 access to: mobile deposit, bill pay, people pay, card controls and cardless cash |
Includes 24/7 access to: account balances, transaction history, card controls, and cardless cash |
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Online Payments2 |
Unlimited bill payments Unlimited people pay (P2P) |
First 5 bill payments, First 5 people pay (P2P)4 |
First 5 bill payments, First 5 people pay (P2P)4 |
None |
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Text Banking1 |
Unlimited 24/7 access to balance and account info |
Unlimited 24/7 access to balance and account info |
Unlimited 24/7 access to balance and account info |
Unlimited 24/7 access to balance and account info |
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Other ATM Fee Refunds3 |
Unlimited refund of other banks' ATM fees |
Refund of first 5 ATM fees from other banks4,5 |
Refund of first 5 ATM fees from other banks4,5 |
None |
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EZShield®ID Theft Protection |
Included |
Available for $5.95/mo |
Available for $5.95/mo |
Not available |
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Minimum Opening Deposit |
$100 |
$100 |
$100 |
$25 |
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Monthly Fee |
$15 if min. balance not met per statement cycle |
$10 or less if conditions met per statement cycle |
$0 |
$0 |
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To Reduce/Avoid Monthly Fee |
Minimum daily balance of $5,000 or combined loan and deposit balance of $25,000 per statement cycle to avoid monthly fee4 |
Fee reduced by $2 for each of the following per statement cycle: eStatement, $500 min. daily balance4, $500 min. direct deposit4, 25 debit card purchases4,6, age 62 or older and under age 22 |
None |
None |
1Standard data fees from your mobile provider may apply.
2Each additional bill payment, person-to-person, or external transfer per statement cycle is $1.
3Up to $5 per transaction. Refunds are credited on the same day as the withdrawal.
4Per statement cycle.
5Each additional ATM usage will incur the other bank’s ATM fee plus a $1 PlainsCapital fee.
6Debit card purchases must post before statement cycle cut off.
7This account is exclusively for active or retired police, paramedics, and firefighters, state and federal law enforcement officers and agents, active and veteran members of Army, Navy, Marine Corps, Air Force, Coast Guard, National Guard. Valid ID required.