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.
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.
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.
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.
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.
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.
I Want to Earn Interest |
I Want No Minimum Balance |
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Premier
|
Preferred
|
Golden
|
Select
|
Simply Free
|
Youth Debit Account 1 |
|
|
Best If You |
Tiered interest rates and our top-of-the-line checking services |
To earn a flat interest rate and enjoy additional account services |
Checking services with perks for seniors age 55+ |
To pay a small monthly fee for more services without keeping a minimum balance |
Basic checking services with no minimum balance or monthly fee |
A basic account without check-writing or overdrafts for customers under 18 |
|
Minimum to Avoid Monthly Fee |
$5,000 minimum daily balance in Premier Checking or $10,000 in Premier Checking and Money Market combined |
$1,500 minimum daily balance |
$1,000 minimum daily balance or monthly direct deposits totaling $500 or over |
None |
None |
None |
|
Monthly Fee |
$15 if minimum balance not met |
$10 if minimum balance not met |
$5 if minimum balance or direct deposit not met |
$5 regardless of balance |
None |
None |
|
Minimum Opening Deposit |
$5,000 |
$1,500 |
$50 |
$50 |
$50 |
$25 |
|
Interest |
Tiered interest rates on balances $5,000 and over |
Flat rate on balances $1,500 and over |
Flat rate on balances $1,000 and over |
None |
None |
None |
|
Included Account Extras |
Bonus on balances over $25,000 in a linked Money Market Account, unlimited checks2 |
First order of checks2 |
Notary service, rate bonus on CDs3, free small safe deposit box 4, one order of checks2 per year |
First order of checks4 |
None |
None |
|
EZShield®ID Theft Protection |
Included |
Available for a small monthly fee |
Included |
Available for a small monthly fee |
Available for a small monthly fee |
Available for a small monthly fee |
|
Other ATM Fee Refunds5 |
Unlimited refunds of other banks' ATM fees |
5 refunds of others banks' ATM fees per month |
5 refunds of others banks' ATM fees per month |
5 refunds of others banks' ATM fees per month |
None6 |
None6 |
|
PlainsCapital ATMs |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
|
Bank Stock Check Orders |
Unlimited |
First Box |
1 box per year |
First Box |
None |
None |
|
Monthly Bill Payments7 |
Unlimited |
15 at no charge |
10 at no charge |
10 at no charge |
5 at no charge |
None |
|
Statements |
Online Statements or paper statements |
Online Statements or paper statements |
Online Statements or paper statements |
Online Statements or paper statements |
Online Statements required |
Online Statements or paper statements |
|
Check-Writing |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
None |
|
Mobile Banking8 |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Online Banking |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Voice Banking |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Text Banking9 |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Direct Deposit |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
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.