PlainsCapital Bank provides unique accounts that you will rarely find elsewhere. To find out if PlainsCapital Bank is right for you, continue reading the review below.
Being the fifth largest bank in Texas, PlainsCapital Bank offers a diverse selection of account options that are different than most traditional banks.
Their TotalAccess account is technically open to anyone 22 and over and isn’t too hard to maintain either.
Checking Account Options
PlainsCapital has various checking accounts that are quite different than most traditional banks. They all offer exclusive benefits unique to the bank itself.
This is an interest bearing account that offers tiered interest rates. You will need at least $100 in order to open it.
If you manage to keep a balance of $5,000 or more, you can start earning interest and also waive the $15 monthly fee.
This account also comes with neat benefits.
Some of these include:
- Refund other banks’ ATM fees with no minimum withdrawal required
- Unlimited PlainsCapital ATM withdrawals
- A PlainsCapital Debit Mastercard
- Online and mobile Banking
- Unlimited Bill Pay and Zelle® payment transfers
- Access to EZShield® at no additional charge
- Secure and manage your debit card with Card Controls
- Withdraw cash with Cardless Cash at designated ATMs
- eStatements
- Personal line of credit available with credit qualifications
This checking account is made to be convenient and gives you complete access over your money. You will need a $100 to open it.
There is a $10 monthly fee, but you can reduce it by $2 if you take one of the following measures:
- Maintain a $500 minimum daily balance
- Have a minimum of $500 in direct deposits
- Make 25 debit card purchases
- Be 62 or older
- Be 22 or under
Some benefits included are:
- Refund other banks’ ATM fees with no minimum withdrawal required
- Unlimited PlainsCapital ATM withdrawals
- A PlainsCapital Debit Mastercard
- Online and mobile Banking
- Unlimited Bill Pay and Zelle® payment transfers
- Access to EZShield® at no additional charge
- Secure and manage your debit card with Card Controls
- Withdraw cash with Cardless Cash at designated ATMs
- eStatements
- Personal line of credit available with credit qualifications
This is a military/veteran checking account. If you are a veteran or are currently serving, ,you may qualify to apply.
You will still need at least a minimum deposit of $100 to open it, but you will never have to worry about paying a monthly fee for the remainder.
This account also comes with:
- 5 Refunds of other banks’ ATM fees
- Unlimited PlainsCapital ATM withdrawals
- A PlainsCapital Debit Mastercard
- Online and mobile Banking
- Unlimited Bill Pay and Zelle® payment transfers
- EZShield® ID Theft Protection available for $5.95/month
- Secure and manage your debit card with Card Controls
- Personal line of credit available with credit qualifications
This is a checking account designed for children 18 and under.
There has to be a parent or guardian as the co-owner in order for the child to open the account.
This account only requires a $25 minimum opening deposit, but then there are no monthly fees nor minimum balance requirements.
This account also comes with:
- A PlainsCapital Debit Mastercard
- Online and mobile Banking
- eStatements
- No overdrafts
This is a checking account for business workers and partners.
To qualify, you have to work at a business, deposit at least $1 within 30 days of account opening and receive direct deposit from your employer.
There is a $5 monthly fee, but you can waive it if you manage to keep a daily balance of $500.
The Bank at Work Access Program gives you even more benefits. As a business worker, you can essentially:
- Make and schedule payments with unlimited Bill Pay
- Pay family and friends with unlimited Zelle® payment transfers
- Secure and manage debit cards with Card Controls
- Enjoy unlimited transactions at PlainsCapital ATMs
- Withdraw cash with Cardless Cash at designated ATMs
Receive up to 5 refunds of other bank’s ATM
Make purchases via Apply Pay®, Google Pay™, and Samsung Pay®
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
PlainsCapital has several savings accounts that all aim to help make savings more convenient.
This is an interest bearing account and you will need a minimum of $100 to open it.
If you keep a daily balance of $100, you can also waive the $5 quarterly fee.
This account also has:
- Convenient access to your funds with unlimited free withdrawals in person and at PlainsCapital ATMs
- Easy transfers between your PlainsCapitial accounts
- Unlimited deposits
- 6 withdrawals and/or transfers per quarter at no charge
- Direct deposit of your payroll
- Online, mobile and voice banking
- eStatements
- FDIC insured up to the maximum amount allowable by law
This is a savings account for kids under 18.
You only need $1 to open this account and there are no monthly fees nor minimum balance requirements to worry about afterwards.
Some program features include:
- Access to PlainsCapital piggy bank
- A $5 birthday deposit every year until they turn 18
- Free transfers between yours and your child’s PlainsCapital accounts
- Unlimited deposits
- 6 withdrawals and/or transfers per quarter at no charge
- Direct deposit of your payroll
- Online, mobile and voice banking
- eStatements
This is an education savings account that a parents can use to keep a trust fund for their child until college.
You will need $100 to open this account.
There are some limitations to this account. Some of these are:
- Total contributions of beneficiaries cannot exceed $20,000 per year
- Contributions by the beneficiary can be made until the child turns 18
Compare Savings Accounts
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Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
PlainsCapital has a money market that earns competitive interest rates.
PlainsCapital Money Market:
- Requires an opening deposit of $2,500
- Maintain a minimum daily balance of $2,500 to waive the $10 monthly fee
- Comes with all the benefits that a normal savings account already has
Compare Money Market Accounts
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CD Account Options
You can open a CD at PlainsCapital Bank for a minimum deposit of $1,000 each.
Their terms range from 7 days to five years and are flexible.
Each CD earns interest at either a fixed or variable rate. The CD will renew upon maturity.
If you want to find out PlansCapital Bank’s CD rates, click here.
Compare CD Accounts
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Reasons to Bank with PlainsCapital Bank
- They have a large variety of checking accounts available to almost anyone.
- They offer a separate youth checking and savings account.
- Provides a military checking account available (Protect and Serve).
- Their checking account, Bank At Work Access directly benefits business workers.
- They have an education savings account geared towards parents who want to save for their children to go to college.
- If you live in Texas, there are about 64 physical branches all over.
- Conduct all your banking online or through PlainsCapital mobile app.
Reasons Not to Bank with PlainsCapital Bank
- Unfortunately, PlainsCapital is only available in Texas. If you don’t live in Texas and want to visit a physical branch, this wouldn’t benefit you much.
- Their interest rates are average.
- The minimum balance requirements for certain accounts are quite high.
- They don’t have 24/7 banking available.
PlainsCapital Bank Routing Number
The routing number for PlainsCapital is 111322994.
Contact Customer Service
You can reach PlainsCapital Bank at 866-762-8392.
A customer representative will be available to speak to you at these hours:
- Monday – Friday at 7 a.m. – 7 p.m.
- Saturday at 9 a.m. – 1 p.m.
- Closed on Sundays
How PlainsCapital Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Pinnacle Bank: Pinnacle Bank is located mostly in the South and has a good selection of account options that are similar. They have premium checking accounts as well for maximized benefits.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
- PNC Bank: PNC Bank offers free access to PNC Bank ATMs, free mobile/online banking, reimbursement of PNC fees for use of non-PNC ATMs, and many other features that can be found on their website. They have several account options.
Bottom Line
Overall, PlainsCapital Bank would be the most convenient for you if you live in Texas.
They have a wide range of account options, but if you prefer to visit a physical branch to do your banking, then it would be best to look elsewhere.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with PlainsCapital Bank, then apply today! For more options from a variety of banks, see our list of the best bank promotions!
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