Earn up to 7x National Average** When You Bundle
2.00% APY
2.50% APY
-Maintain a $50,000 minimum average daily checking balance
3.00% APY
-Maintain a $50,000 minimum average daily checking balance
-Process $40,000 in monthly merchant services volume
$100 min. daily balance to avoid a $5 monthly service fee
*Annual Percentage Yield (APY) is accurate as of July 13, 2026 and is subject to change.
**National Savings average rate from FDIC’s Weekly National Rates and Rate Caps, as of Feb 17, 2026; average rate used is for deposits under $2,500
***Rate based on prior‑month balance and merchant services volume.
Maximize Your Growth with Momentum Max
Perfect for small businesses with essential banking needs
- Combine with Momentum Max Savings account and earn higher interest
- $100 minimum opening deposit
- Business Debit Card
- Unlimited debit card transactions
- Online & Mobile Banking
- Unlimited bill payments
Built for businesses with higher activity and select treasury needs
- Combine with Momentum Max Savings account and earn higher interest
- $100 minimum opening deposit
- Business Debit Card
- Unlimited debit card transactions
- Online & Mobile Banking
Local and Personalized
Relationship-Focused
Committed to Texas
Strong & Stable Partner
Since 1988, we have served Texas businesses and individuals with the capital strength of a national bank while delivering the personal touch of a community bank.
PlainsCapital Bank is the seventh-largest Texas-based bank1 with more than 50 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, San Antonio, and the Rio Grande Valley.
We provide a full suite of banking services including commercial lending, treasury management, small business banking, private banking, and trust and wealth management services.
