Checking

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.

Apply Learn More

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.

Apply Learn More

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.

Apply Learn More

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. 

Learn More

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.

Apply Learn More

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.

Apply Learn More

Compare All Checking Accounts

 

 

I Want to Earn Interest   

 I Want No Minimum Balance  

 

Premier
Checking

Apply

 

Preferred
Checking

Apply

Golden
Checking

Apply

Select
Checking

Apply

Simply Free
Checking

Apply

Youth Debit Account1

Best If You
Want … 

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 box4, 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 with $100 minimum withdrawal 

5 refunds of others banks' ATM fees per month with $100 minimum withdrawal 

5 refunds of others banks' ATM fees per month with $100 minimum withdrawal

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

eStatements or paper statements 

eStatements or paper statements 

eStatements or paper statements

eStatements or paper statements 

eStatements required

 

eStatements 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 

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.
5Maximum refund of other banks' ATM fees is $5 per 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.