Savings & Money Market

Save for all of your short and long term goals with our savings and money market options designed to fit your specific needs.

Personal Savings Account

A PlainsCapital Savings Account is the perfect way to start putting away money for a rainy day.
  • $100 minimum opening deposit makes it easy to get started
  • Fee: $0 if minimum balance is met; $5/quarter otherwise
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Money Market Account

Earn more interest than with a checking or savings account while maintaining access to your money.
  • Earn more interest the higher your balance goes
  • $2,500 minimum opening deposit
  • Fee: $0 if minimum balance is met; $10/mo otherwise
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Youth Savings Program

Saving money is a powerful habit to ingrain early on. Give them a head start toward financial success by opening a Youth Savings Account with as little as $1.
  • $1 minimum opening deposit
  • No monthly fees
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Health Savings Account

Take control of your own medical expenses with a tax-deductible HSA from PlainsCapital.
  • $100 minimum opening deposit
  • Fee: $3 monthly administration fee
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Coverdell Education Savings Account

Tax-free interest earnings and tax-free withdrawals for educational expenses make a CESA the perfect way to save for your child’s education.
  • $100 minimum opening deposit
  • No fees
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Personal Savings Account


Money Market Account


Youth Savings Account

Health Savings Account

Coverdell Education Savings

Best if You Want…A simple account with a low initial depositTiered interest rates that reward higher balances A starter account for kids under 18 that rewards them for saving6An account that can help you save tax-free1 for medical expensesA tax-exempt savings plan for educational expenses
Account AccessTeller and ATM withdrawalsTeller, ATM, check card, or check withdrawals Teller and ATM withdrawalsTeller, ATM, debit card, or check withdrawalsTeller and ATM withdrawals
Transaction Limits at No ChargeSix withdrawals and/or transfers per quarter at no charge3Six withdrawals and/or transfers per month at no charge2Six withdrawals and/or transfers per quarter at no charge3Transactions must be for qualified medical expensesTransactions are tax exempt if used for qualified educational expenses
Minimum Opening Deposit $100 $2,500 $1 $100 $100
Minimum Daily Balance to Avoid Fees $100 $2,500 ______
Fee If Minimum is Not Met$5 per quarter $10 per month __$3 monthly administration fee regardless of balance__
Deposits Unlimited deposits Unlimited deposits Unlimited deposits Unlimited deposits Up to $2,000 annually
Special FeaturesA low opening deposit makes it easy to get startedChecks and a check cardPlainsCapital will make a $5 deposit on your child's birthday – every year – until they turn 18Provides tax advantages when money is used for qualified medical expenses4Provides tax advantages when money is used for qualified education expenses4
Free Bill Pay NoNoNoNoNo
Free Online Banking YesYesYesYesYes
Mobile Banking YesYesYesYesYes
Debit Card YesYesAvailable for parent or guardian over age 18Yes5No
Voice Banking YesYesYesYesYes
Check Images with Statements__Yes__Yes__
Free Box of Checks __First box of standard bank checks__One box of HSA-branded checks per year__
Direct DepositYesYesYesYesYes
Online Statements YesYesYesYesYes

1If HSA money is used for anything other than a qualified medical expense, the money used is taxable and will also be penalized an additional 10 percent.
2Thereafter, a charge of $10 per transaction will apply.
3Thereafter, a charge of $3 per transaction will apply.
4Consult your tax adviser.
5The debit card transactions will not be authorized in restaurants, bars, hotels, or gambling venues. You can make a withdrawal from your PlainsCapital Bank Health Savings Account via check, debit card transaction, or ATM withdrawal. Cash withdrawals can be completed at any PlainsCapital Bank location.
6Once the account owner turns 18, the account will be converted to a Personal Savings Account.

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.


Traditional and Roth IRAs to help youretire secure.

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