You’re Never Too Young to Start Saving

The PlainsCapital Bank Youth Savings Program makes saving fun and easy for kids under 18. Young savers can open a Personal Savings Account with the Youth Savings Program with as little as $1, and there is no minimum balance requirement. Kids get a free PlainsCapital piggy bank to help them save at home, and we’ll even give them a $5 birthday deposit every year until they turn 18.

Program Features

  • Earn interest on all balances
  • No minimum balance required
  • Free transfers between your child’s account and your PlainsCapital accounts
  • Unlimited deposits
  • FDIC insured up to the maximum amount allowed by law
  • Six withdrawals and/or transfers per statement cycle at no charge. Thereafter, a charge of $3 per transaction will apply.
  • Access your child’s account any time with Online Banking
  • Access your child’s account from your smartphone through the PlainsCapital Mobile Banking App


  • $1 to open the account
  • Only available to children under age 181

1Child must have a parent or guardian age 18 or older as a co-owner of their account. When account owner turns 18, the account terms and structure will convert to Personal Savings.

Open An Account

Speak to a Specialist
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