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PERSONAL CHECKING & SAVINGS

With a variety of individual deposit accounts, we offer an array of options for saving and managing your money, backed by the services and expertise of our personal banking specialists. We also offer personal checking and savings solutions through BankDirect®, our internet-only bank division. We also make managing your accounts even easier with online banking and our mobile app. In addition, our Private Wealth Advisors are here to provide high-net-worth clients the comprehensive wealth management tools they need to manage and protect their wealth.

Account Type Minimum Opening Balance Account Features Interest Service Fees
Smart Checking $100
  • Unlimited transactions
  • Free Visa® CheckCard
  • Free online and mobile banking
None
  • There is no monthly maintenance fee.
Capital Checking $100
  • Unlimited transactions
  • Free Visa® CheckCard
  • Free online and mobile banking
None
  • The monthly maintenance fee is $10.
  • The minimum daily ledger balance to avoid the maintenance fee is $750 or the minimum monthly average balance to avoid the monthly maintenance fee is $1,500.
Capital Interest Checking $100
  • Unlimited transactions
  • Minimum balance to earn interest $500
  • Free Visa® CheckCard
  • Free online and mobile banking
  • Interest compounded daily (Interest paid on daily collected balances)
  • The monthly maintenance fee is $12.
  • The minimum daily ledger balance to avoid the maintenance fee is $1,500 or the minimum monthly average balance to avoid the maintenance fee is $2,500.
  • Fees could reduce the earnings on this account.
Minor’s Savings $25
  • Limited to 2 withdrawals per month; limited to 6 per quarter
  • Interest credited quarterly
  • Account converts to consumer savings at age 16
  • Free ATM card
  • Interest compounded daily (Interest paid on daily collected balances)
  • There is no monthly maintenance fee.
  • The fee for excess withdrawals is $2 per withdrawal.
  • Fees could reduce the earnings on this account.
Consumer Savings $100
  • Limited to 2 withdrawals per month; limited to 6 per quarter
  • Interest credited quarterly
  • Free ATM card
  • Interest compounded daily (Interest paid on daily collected balances)
  • The monthly maintenance fee is $5.
  • The fee for excess withdrawals is $2 per withdrawal.
  • The minimum daily ledger balance to avoid maintenance fee is $500.
  • Fees could reduce the earnings on this account.
Money Market Account $100
  • Limited to 6 preauthorized withdrawals per month
  • Unlimited in-person withdrawals
  • Minimum daily ledger balance to avoid maintenance fee $2,500
  • Interest credited monthly
  • Free ATM card
  • Interest compounded daily (Interest paid on daily collected balances)
  • Minimum daily ledger balance to earn interest $500
  • The monthly maintenance fee is $12.
  • The charge for excess third-party withdrawals per withdrawal is $10.
  • Fees could reduce the earnings on this account.

 



For additional information please see the Terms & Conditions.

Read about our Private Wealth StarPoint Collection products.
Review our Fee Schedule.
Learn more about our BankDirect personal savings, checking and CD products.

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For more information or to open an account,
visit us at one of our locations in:


Austin


Dallas


Fort Worth


Houston


San Antonio



For customer support, contact 877.TEX.BANK (877.839.2265)

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