Checking Accounts as Unique as Your Needs

At FirstCapital Bank of Texas, we understand that no one knows what you need out of your everyday checking account better than you. That’s why we offer two checking accounts: One without fees and one that pays interest so the choice, as always, is yours.

First Free Checking

Truly a FREE checking account, this account offers unlimited check writing with no monthly service charge or minimum balance requirement: Open yours with just $25.

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First Interest Checking

Get rewarded for higher balances with higher interest, no fees on monthly balances over $1,000, and up to 45 free checks or withdrawals each month.*

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More Ways to Help You Manage Your Money

Optional Overdraft Protection

Both accounts come with optional overdraft protection of up to $500 to help you avoid the discomfort of a rejected payment due to insufficient funds.

Debit Card

Enjoy easy access to cash at a TellerConnect ITM and more than 55,000 surcharge-free Allpoint® ATMs and make seamless online and in-person purchases with your free debit card.

Online and Mobile Banking

You’ll also enjoy the convenience of anytime, anywhere, convenient access to your FCB accounts with our online and mobile banking.


*$12 monthly charge for balances under $1,000 and $0.15 per-item charge if you exceed 45 checks or withdrawals that month.