Savings & MONEY MARKET
............Personal Savings Account
- $100 minimum opening deposit makes it easy to get started
- Fee: $0 if minimum balance is met; $5/quarter otherwise
Money Market Account
- Earn more interest the higher your balance goes
- $2,500 minimum opening deposit
- Fee: $0 if minimum balance is met; $10/mo otherwise
Youth Savings Program
- $1 minimum opening deposit
- No fees
Health Savings Account
- $100 minimum opening deposit
- Fee: $3 monthly administration fee
Coverdell Education Savings Account
- $100 minimum opening deposit
- No fees
 |  |  |  |  | |
|---|---|---|---|---|---|
| __ | Personal Savings AccountAPPLY | Money Market AccountAPPLY | Youth Savings Account | Health Savings Account | Coverdell Education Savings |
| Best if You Want… | A simple account with a low initial deposit | Tiered interest rates that reward higher balances | A starter account for kids under 18 that rewards them for saving6 | An account that can help you save tax-free1 for medical expenses | A tax-exempt savings plan for educational expenses |
| Account Access | Teller and ATM withdrawals | Teller, ATM, check card, or check withdrawals | Teller and ATM withdrawals | Teller, ATM, debit card, or check withdrawals | Teller and ATM withdrawals |
| Transaction Limits at No Charge | Six withdrawals and/or transfers per quarter at no charge3 | Six withdrawals and/or transfers per month 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 | $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 Features | A low opening deposit makes it easy to get started | Checks and a check card | 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 | __ | Yes | __ |
| Free Box of Checks | __ | First box of standard bank checks | __ | One box of HSA-branded checks per year | __ |
| Direct Deposit | Yes | Yes | Yes | Yes | Yes |
| Online Statements | 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.
2Federal regulations limit the number of withdrawals and/or transfers to six per monthly statement cycle. Thereafter, a charge of $10 per transaction will apply. This includes transfers to another account at PlainsCapital or to a third party by means of preauthorized or automatic transfer, telephone transfer, order or instruction, or by check, draft, debit card, or similar order payable to third parties. Withdrawals and transfers made at an ATM or in person at a branch are not subject to the federal limit.
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 quarter. 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.
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.