fbpx

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.
  • Unlimited PlainsCapital and Allpoint ATM withdrawals
  • 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)
  • No monthly fee when you maintain a $1,000 daily ledger balance OR receive direct deposits of $500+ per statement cycle; otherwise $5/mo.
  • 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
accouts-compare-imageaccouts-compare-imageaccouts-compare-imageaccouts-compare-imageaccouts-compare-image
__

PremierAccess

OPEN NOW

TotalAccess

OPEN NOW

BasicAccess

OPEN NOW

LegacyAccess

OPEN NOW

Protect & Serve

OPEN NOW
Best if…You want a top-of-the-line checking account with the opportunity to earn a tiered interest rate and avoid feesYou want total access to our account features with the opportunity to avoid feesYou 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 fees4You are 62 or older and want the opportunity to earn interest and avoid feesYou protect and serve our country or our communities as a first responder or military personnel5
InterestTiered interest on balance of $5,000 or more________
Mobile Banking1Includes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile WalletIncludes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile WalletIncludes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile WalletIncludes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile WalletIncludes 24/7 access to: Mobile Deposit, Bill Pay, Zelle®, Card Controls and Mobile Wallet
Bill Pay Unlimited bill payments at no chargeUnlimited bill payments at no chargeUnlimited bill payments at no chargeUnlimited bill payments at no chargeUnlimited bill payments at no charge
Text Banking1 Unlimited 24/7 access to balance and account infoUnlimited 24/7 access to balance and account infoUnlimited 24/7 access to balance and account infoUnlimited 24/7 access to balance and account infoUnlimited 24/7 access to balance and account info
ATM WithdrawalsUnlimited PlainsCapital and Allpoint withdrawals and refund of other banks' ATM fees2No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3No fee for unlimited PlainsCapital and Allpoint ATM withdrawals3
EZShield®ID TheftProtectionIncluded 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 personAvailable for a monthly fee of $5.95 per personAvailable for a monthly fee of $5.95 per person
Check WritingUnlimitedUnlimitedNot AvailableUnlimited and includes one box of bank stock checks per yearUnlimited
Paper Statements 6No charge$2 fee per statement cycle$2 fee per statement cycleNo 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 if requirements not met to avoid fee $5 for age 26 and older$5 if requirements not met to avoid fee$0
To Reduce/Avoid Monthly Fee Maintain daily minimum ledger balance of $10,000 OR combined loan and deposit balance of $25,000 throughout statement cycleMaintain a daily minimum ledger balance of $2,500 or more throughout the statement cycle, OR have combined direct deposits of $1,500 or more per statement cycle No fee if primary account holder is age 25 or under Maintain a daily minimum ledger balance of $1,000 or more throughout the statement cycle, OR have combined direct deposits of $1,000 or more 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.
4If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases.
5This 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.
6eStatements available at no charge in Online Banking and Mobile Banking app (Must sign up via Online Banking).

Switching to PlainsCapital Bank Is Easy!

Other Personal Banking Solutions

Online Banking

Manage your accounts anytime, anywhere, any way you want.

Mobile Banking

Manage your accounts, pay bills, transfer funds, and more.

Currency Exchange

Save on fees by converting your currency from home.

Leaving PlainsCapital Bank Website
PlainsCapital Bank does not control the following website and their privacy policies may differ from those of the Bank. PlainsCapital Bank is not responsible for the content nor transactions carried out on the following website.
Thank you for visiting the PlainsCapital Bank website.
For best viewing experience, we recommend using Chrome, Firefox, Safari, or Microsoft Edge.