Conveniently deposit, transfer, and spend your money ... without overdraft fees

PlainsCapital’s BasicAccess is a great account for students or anyone wanting to avoid overdraft or non-sufficient funds fees1. Make purchases, transfer money, pay your bills, and send and receive money with friends or family any time with this Bank On certified account.



Account Features

  • Online account opening
  • No overdraft or non-sufficient funds fees1
  • Account access via online, mobile, and text banking2
  • Unlimited Bill Pay
  • Unlimited Zelle® payments
  • Mobile wallet
  • Mobile Deposit
  • Unlimited PlainsCapital and Allpoint ATM withdrawals3
  • Direct deposit
  • Cash/check deposits accepted in-branch and at ATMs (where available)
  • eStatements available
  • PlainsCapital Debit Mastercard
  • EZShield®ID Theft Protection available for $5.95/month per person


  • $25 minimum opening deposit
  • No minimum balance requirement
  • No monthly service fee for ages 25 and under
  • $5 monthly service fee for ages 26 and over
  • $2 for paper statements per cycle; avoid fee by switching to eStatements through online banking
  • No check writing

1.If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases.

2.Standard data fees from your mobile provider may apply.

3.ATMs other than PlainsCapital or Allpoint machines will incur the foreign bank’s ATM fee plus a $2 PlainsCapital fee.

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Online & Mobile Banking

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