Savings & Money Market

Personal Savings & Money Market Accounts

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Money Market Account

Start today, and see where the right account can take you. Earn competitive interest rates while maintaining maximum liquidity.

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Personal Savings Account

A PlainsCapital Personal Savings Account is a great way to put money away toward a savings goal while maintaining easy access to your funds.

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Youth Savings Account

For kids under 18, this account has no minimum balances or fees, and savers receive a free piggy bank and an annual $5 birthday deposit.

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Health Savings Account

Heres to financial health. Save for qualified medical expenses with a Health Savings Account from PlainsCapital Bank.

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Coverdell Education Savings Accounts

Save for your childs education with a CESA. You can enjoy tax-free earnings and tax-free withdrawals for educational expenses.

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Compare All Savings Accounts
 

Money 
Market Account

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Personal 
Savings Account

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Youth 
Savings Account

Health Savings Account

Coverdell 
Education Saving Accounts

Best If You Want...

Tiered interest rates that reward higher balances

A simple account with a low initial deposit

A starter account for kids under 18 that rewards them for saving

An account that can help you save tax-free1 for medical expenses

A tax-exempt savings plan for educational expenses

Account Access

Teller, ATM, check card, or check withdrawals 

Teller and ATM withdrawals

Teller and ATM withdrawals

Teller, ATM, debit card, or check withdrawals

Teller and ATM withdrawals

Transaction Limits at No Charge

Six pre-authorized withdrawals and/or transfers per month at no charge2 

Six withdrawals and/or transfers per quarter at no charge2

Six withdrawals and/or transfers per quarter at no charge3 

Transactions must be for qualified medical expenses

Transactions are tax exempt if used for qualified educational expenses 

Minimum Opening Deposit

$2,500

$100 

 $1

 $100

$100 

Minimum Daily Balance to Avoid Fees

 $2,500

$100 

None 

None 

None

Fee If Minimum is Not Met

$10 per month

$5 per quarter

None

None

None

Deposits

Unlimited deposits
 

Unlimited deposits

Unlimited deposits

Unlimited deposits

Up to $2,000 annually

Special Features

Checks and a check card 

A low opening deposit makes it easy to get started

PlainsCapital will make a $5 deposit on your child's birthday – every year – until they turn 18

Provides tax advantages when money is used for qualified medical expenses4

Provides tax advantages when money is used for qualified education expenses4

Free Bill Pay

 No

No 

No 

 No

No 

Free Online Banking

 Yes

Yes 

Yes 

 Yes

Yes 

Mobile Banking

 Yes

Yes

Yes

Yes

Yes

Debit Card

 Yes

Yes

Available for parent or guardian over age 18

Yes5

No

Voice Banking

Yes 

Yes

Yes

Yes

Yes

Check Images with Statements

Yes 

N/A

N/A

Yes

N/A

Free Box of Checks

First box of standard bank checks 

N/A

N/A

One box of HSA-branded checks per year

N/A

Direct Deposit

Yes 

Yes

Yes

Yes

Yes

eStatements

 Yes

Yes

Yes

Yes

Yes

 

 

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.
2Under federal regulations, six pre-authorized withdrawals and/or transfers are allowed per month, no more than three of which may be by check, point-of-sale, or ACH. Thereafter, a charge of $10 per transaction will apply.
3Six withdrawals and/or transfers are allowed per quarter. Thereafter, a charge of $3 per transaction will apply. Federal regulations limit the number of transactions you can make on certain saving products to six per month. However, withdrawals and transfers made at an ATM and withdrawals made in person at a branch are not subject to the federal limit.
4Consult your tax adviser.
5HSA Check Card transactions will not be authorized in restaurants, bars, hotels, or gambling venues. In addition, the card cannot be used at the ATM. Cash withdrawals can be completed at any PlainsCapital Bank location.