CHECKING
............Simple, straightforward checking with a variety of perks and easy around-the-clock access. Choose the account that fits your life.
PremierAccess
For higher-balance users looking for a top-of-the-line checking account with premium perks.
- Refund of other banks’ ATM fees
- Tiered interest that increases with higher balance
- Unlimited Bill Pay
TotalAccess
Built for convenience, freedom, and easy, anytime access.
- Monthly fee: $0 – $10 depending on conditions (see full comparison for details)
- Unlimited Bill Pay
- 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, and Card Controls
BasicAccess
Great for students, first time account holders, and anyone who wants a Bank On certified account with a low service fee and no unexpected overdraft or nonsufficient funds fees.
- No minimum balance requirement
- Unlimited PlainsCapital and Allpoint ATM withdrawals
- $25 minimum opening deposit
LegacyAccess
Specially designed interest-bearing account for those 62 and older with lots of extra perks.
- Unlimited Bill Pay
- Free Notary Services
- Complimentary box of bank stock checks per year
Protect & Serve
Exclusive perks for first responders and military personnel.
- No monthly fee
- No minimum balance
- Unlimited Bill Pay
Bank at Work Access
Exclusive benefits for employees of PlainsCapital business partners with direct deposit.
- Only for employees of participating businesses (check with your employer for details)
- Monthly fee: $0 with $1,000 daily ledger balance OR $500 direct deposit total per statement cycle; $5/mo otherwise
- Unlimited Bill Pay
Youth Debit Account
Great account for youths ages 17 and under to learn about banking.
- $25 minimum opening deposit
- No monthly fee or minimum balance
- Debit Mastercard for making purchases and ATM transactions
 |  |  |  |  | |
|---|---|---|---|---|---|
| __ | PremierAccessAPPLY | TotalAccessAPPLY | BasicAccessAPPLY | LegacyAccessAPPLY | Protect & ServeAPPLY |
| Best if… | You want a top-of-the-line checking account with the opportunity to earn a tiered interest rate and avoid fees | You want total access to our account features with options to reduce fees | You are a student, first time account holder, and/or want a Bank On certified account with a low service fee and no unexpected overdraft or nonsufficient funds fees5 | You are 62 or older and want the opportunity to earn interest and avoid fees | You protect and serve our country or our communities as a first responder or military personnel6 |
| Interest | Tiered interest on balance of $5,000 or more | __ | __ | Single rate of interest paid on balance of $1,000 or more | __ |
| Mobile Banking1 | Includes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile Wallet | Includes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile Wallet | Includes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile Wallet | Includes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile Wallet | Includes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile Wallet |
| Bill Pay | Unlimited bill payments at no charge | Unlimited bill payments at no charge | Unlimited bill payments at no charge | Unlimited bill payments at no charge | Unlimited bill payments at no charge |
| 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 | Unlimited 24/7 access to balance and account info |
| ATM Withdrawals | Unlimited PlainsCapital and Allpoint withdrawals and refund of other banks' ATM fees2 | No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3 | No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3 | No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3 | No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3 |
| EZShield®ID TheftProtection | Included for one person on the account; Available for a monthly fee of $5.95 per each additional person. | Available for a monthly fee of $5.95 per person | Available for a monthly fee of $5.95 per person | Available for a monthly fee of $5.95 per person | Available for a monthly fee of $5.95 per person |
| Check Writing | Unlimited | Unlimited | Not Available | Unlimited and includes one box of bank stock checks per year | Unlimited |
| Paper Statements 8 | No charge | No charge; Switch to eStatements to reduce monthly service fee by $2 | $2 fee per statement cycle | No charge | $2 fee per statement cycle |
| Minimum OpeningDeposit | $100 | $100 | $25 | $100 | $100 |
| Monthly Fee | $20 if minimum balance not met per statement cycle | $10 or less if conditions met per statement cycle | $5 for age 26 and older | $5 if requirements not met to avoid fee | $0 |
| To Reduce/Avoid Monthly Fee | Maintain minimum daily balance of $10,000 OR combined loan and deposit balance of $25,000 per statement cycle | Fee reduced by $2 for each of the following per statement cycle: eStatement, $500 minimum daily balance, $500 minimum direct deposit, 25 debit card purchases4, age 62 or older and under age 22 | No fee if primary account holder is age 25 or under | Maintain minimum daily balance of $1,000 OR receive total of $1,000 in ACH direct deposits per statement cycle | __ |
1Standard data fees from your mobile provider may apply.
2Refunds are credited next business day.
3Withdrawals from other ATMs will incur the other bank’s ATM fee plus a $2 PlainsCapital fee.
4Debit card purchases must post before statement cycle cut off.
5If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases.
6This account is exclusively for active or retired police, paramedics, and firefighters, state and federal law enforcement officers and agents, 9-1-1 dispatchers; Active, veteran members, and spousal survivors of Army, Navy, Marine Corps, Air Force, Coast Guard, National Guard. Valid ID required.
7eStatements available at no charge in Online Banking and Mobile Banking app (Must sign up via Online Banking).