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Discover Flexible Checking Accounts to Fit Your Lifestyle
Discover checking accounts designed to fit your lifestyle and financial goals. Plains State Bank offers flexible options with features to make everyday banking easier.
Finding the Right Checking Account in Houston
Everyone’s banking needs are different. Some people want simple, fee-free accounts for everyday spending, while others are looking for accounts that earn interest or reward higher balances.
Here at Plains State Bank, we make it easy to choose the checking account that fits your needs. Our friendly staff is ready to help you select the right account and guide you through the process.
We offer options for seniors, individuals who want to earn interest, and customers who need flexible accounts for higher balances. With online and mobile banking, managing your money is convenient and secure.
Advantage Checking
Profile: unlimited transactions, no per check charge and no interest earned
Minimum to open – $100
No monthly maintenance fees
No minimum daily balance
Check images included with monthly statement
Senior Free Checking (65+)
Profile: unlimited transactions, no per check charge, free checks (selected styles)
- Minimum to open – $100
- No monthly maintenance fee
- No minimum daily balance
NOW Account
Profile: unlimited check writing and earn interest, no per check charge
Minimum to open – $100
Monthly maintenance fee – $15
Minimum daily balance to avoid monthly maintenance fee – $1,000
Interest compounding monthly
Balance of $1,000 required to receive interest
Premium Money Market
Profile: keep slightly larger balances while earning the highest possible interest in a transaction account with unlimited over the counter withdrawals (View current Money Market rate)
Minimum to open – $100
Monthly maintenance fee – $10
Minimum daily balance to avoid monthly maintenance fee – $2,500
Interest compounding monthly
Unlimited over the counter withdrawals
Excessive withdrawal fee – $5 per transaction
Federal Restrictions Apply*
Mastercard Debit Card
Use at any ATM displaying the PULSE or Cirrus logo
Use like a credit card at any merchant displaying the Visa/Mastercard logo
Funds are automatically deducted from your checking account
To activate your debit card please call 1-866-633-5293
* Federal regulations limit the number of transfers to another one of your accounts at Plains State Bank or to a third party by means of a pre-authorized or automatic transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per month for Savings accounts and six per statement cycle for Money Market accounts. This includes Plains State Bank online banking transfers and bill payments.
Benefits of Plains State Bank Checking Accounts
Our Houston checking accounts are designed to make your daily banking easier. Most accounts allow unlimited transactions and have no per-check fees, so you can manage payments without extra costs.
Senior checking accounts offer added perks, such as free checks on select styles. For customers looking to earn interest while keeping funds accessible, our NOW Account and Premium Money Market provide competitive rates with flexible access.
All accounts include online and mobile banking. You can pay bills, transfer funds, and view statements anytime. Plus, our debit card is accepted at ATMs nationwide and at merchants that accept Visa or Mastercard.
By banking with Plains State Bank, you get a personal experience that combines modern technology with attentive service, focused on Texas communities.
Frequently Asked Questions
How Do I Open a Checking Account?
You can open an account with a minimum deposit of $100 at any Plains State Bank branch. Our staff will guide you through the process and help select the account that best fits your needs.
Are There Monthly Fees?
Some accounts have no monthly maintenance fees. Accounts like the NOW Account and Premium Money Market have fees that can be waived if you maintain a minimum daily balance.
Can I Earn Interest on My Checking Account?
Yes, our NOW Account and Premium Money Market accounts earn interest. Interest compounds monthly, giving your funds the opportunity to grow while remaining accessible.
Is Online and Mobile Banking Available?
All checking accounts come with online and mobile banking. You can view statements, pay bills, and transfer money anytime from your computer or smartphone.
Are There Limits on Withdrawals?
Federal regulations limit certain withdrawals from Money Market accounts to six per statement cycle. Our team can explain restrictions and help you manage your account effectively.
What if I Need Help Managing My Account?
Plains State Bank offers personalized support. You can speak with our staff in-branch, by phone, or through online banking support for any questions or guidance on your account.
Open Your Plains State Bank Checking Account
Take control of your finances with a checking account designed for your lifestyle. Contact us or visit a branch to open your account and start enjoying convenient, flexible banking.