Personal Banking:
Personal Checking

Convenient and Flexible Checking

PlainsCapital Bank checking accounts are designed to provide you the convenience and flexibility you need to manage your personal finances. You can access these features:

• Internet banking
• Phone banking and bank by mail
• Free use of PlainsCapital Bank ATMs
• Free use of the PlainsCapital Visa® Check Card
• Canceled check images returned with your statement
• Direct deposit for payroll, social security, teacher retirement or recurring federal checks

Free Checking

PlainsCapital Bank's Free Checking¹ gives you the advantages of a checking account without minimum balance requirements and monthly fees.

• $50 is required to open this account
• No minimum balance required
• No monthly service or activity charge
• Unlimited check writing and transactions

Advantage Checking

Advantage Checking² gives you the opportunity to tie a PlainsCapital Advantage Credit line to your Advantage Checking account for overdraft protection. Benefits include no monthly service fee if you maintain a minimum daily balance of $750.

• $50 is required to open this account
• $750 minimum daily balance required to avoid paying a $7 monthly service fee
• Credit line available to qualified customers for overdraft protection
• Unlimited check writing and transactions

Interest Checking

Earn competitive interest rates with a PlainsCapital Interest Checking account. You can also tie a PlainsCapital Advantage Credit line to your Interest Checking account. Ask your PlainsCapital Relationship Manager about current interest rates.

• $1,000 is required to open this account
• $1,000 minimum daily balance required to avoid a $10 monthly service fee
• Credit line available to qualified customers for overdraft protection
• Unlimited check writing and transactions
• Interest rates are based on five balance tiers:
  • $1,000-$4,999
  • $5,000-$24,999
  • $25,000-$99,999
  • $100,000-$499,999
  • $500,000 and above

Student Checking

Just when you think there’s no such thing as a free lunch or a free ride, PlainsCapital Bank offers FREE student checking.

Benefits:

• It's FREE.
• No minimum balance required
• No monthly service fee
• No fees at PlainsCapital Bank ATMs

Features:

• FREE checking with bounce protection³
• FREE Internet banking
• FREE Premium Bill Pay⁴
• FREE E-statement
• First box of checks FREE
• FREE phone banking
• FREE Visa Check Card
• Student Credit line⁵
• Unlimited check writing
• $50 minimum opening balance required

¹ Free Checking is a non-interest bearing account subject to applicable service charges.

² Advantage Checking is a non-interest bearing account subject to applicable service charges.

³ Qualified accounts only.

⁴ Up to 15 transactions free. Each additional transaction is $.50. Premium Bill Pay is automatically discontinued if not used for three consecutive months..

⁵ With approved credit.