Which PlainsCapital checking account is right for you? Use our handy comparison chart to find out.
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Best if you want... |
Competitive interest rates and unlimited check-writing |
An electronic account that earns interest and saves paper |
A completely free account with unlimited check-writing |
An interest-bearing account with 100% FDIC insurance coverage |
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Minimum daily balance to avoid fees |
$1,500 |
None |
None |
$1,500 |
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Monthly fee if minimum daily balance is not met |
$10 |
None |
None |
$10 |
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Minimum opening deposit |
$500 |
$50 |
$50 |
$500 |
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Special features |
Earn higher interest rates with higher balances |
Benefits the environment with paper-saving electronic features |
No monthly maintenance fees or balance requirements |
Funds are 100% insured by the FDIC regardless of balance |
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Earns interest |
yes |
yes |
no |
yes |
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Check-writing |
Unlimited free check-writing |
Write up to five free checks per month, then pay just $2 for each additional check |
Unlimited free check-writing |
Unlimited free check-writing |
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Free checks |
First box of standard bank checks |
One box of eGreen checks per year |
First box of standard bank checks |
First box of standard bank checks |
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Free Visa check card |
PlainsCapital Bank Visa check card |
Exclusive eGreen Visa check card |
PlainsCapital Bank Visa check card |
PlainsCapital Bank Visa check card |
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Free ATMs Worldwide |
- |
yes* |
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- |
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Free ID Theft Recovery Assistance |
- |
yes |
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- |
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Free Mobile Banking |
yes |
yes |
yes |
yes |
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Free Internet Banking |
yes |
yes |
yes |
yes |
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Free Bill Pay |
Up to 20 payments per month** |
Unlimited |
Up to 20 payments per month** |
Up to 20 payments per month** |
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Free eStatements |
yes |
Standard with eGreen account |
yes |
yes |
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Free Voice Banking |
yes |
yes |
yes |
yes |
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FDIC Insurance |
Insured by the FDIC up to the maximum amount allowable by law |
Insured by the FDIC up to the maximum amount allowable by law |
Insured by the FDIC up to the maximum amount allowable by law |
100% insured by the FDIC*** |
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SafetyNet Overdraft Privilege |
yes |
yes |
yes |
yes |
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Free direct deposit |
yes |
yes |
yes |
yes |
*$50 minimum withdrawal required. Maximum refund of $5 per transaction.
**Additional payments are 50 cents each.
***The APY on Fully Insured Interest Checking shall not exceed 0.50% so as to comply with the FDIC requirements for unlimited deposit insurance coverage through December 31, 2009.