Checking

Checking Accounts as Unique as Your Needs

At FirstCapital Bank of Texas, we understand that there’s only one person who knows what you need in a checking account: you. Find what you’re looking for here. To open your account, simply call Customer Service at 844-322-8392, between 7 a.m. and 10 p.m., any day of the week

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e-Checking

Get all the checking conveniences you want—without the fees you don’t

Key Features

  • No monthly service fee or minimum balance required

  • Unlimited check writing

Qualifiers

  • Open with just $25

  • Enroll in and agree to receive e-Statements and e-Notices (a $3 fee applies per paper statement)

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Kasasa Cash®* Checking

Checking that pays you to bank here (not the other way around).

Key Features

  • 2.00% Annual Percentage Yield2 on balances up to $10,000

  • 0.10% APY2 on balances above $10,000

  • 0.05% APY2 if qualifications aren’t met

  • Refunds on ATM withdrawal fees nationwide (if qualifications are met)

  • Link to free Kasasa Saver® to build savings automatically

  • No monthly service fee or minimum balance required

  • Unlimited check writing

Qualifiers

  • Open with just $25

  • One direct deposit, ACH credit or ACH payment transaction

  • 15 debit card purchases

  • Enroll in and agree to receive e-Statements and e-Notices

  • Access online banking once during each statement cycle

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Kasasa Cash Back® Checking

Earn cash back on every purchase made with your debit card—whether you’re downtown or online.

Key Features

  • 4.00% cash back on your debit card purchases up to $200 per month—no category restrictions

  • Earn up to $8 per month in cash
    back

  • Refunds on ATM withdrawal
    fees nationwide (if qualifications are met)

  • Link to free Kasasa Saver® to build savings automatically

Qualifiers

  • Open with just $25

  • One direct deposit, ACH credit or ACH payment transaction

  • 15 debit card purchases

  • Enroll in and agree to receive eStatements and e-Notices

  • Access online banking once during each statement cycle

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Kasasa Saver®

Link to your Kasasa Cash® or Cash Back® checking and grow your savings automatically, every month.

Key Features

  • Free account that builds your savings automatically

  • Links to Kasasa Cash or Cash Back checking

  • Automatic transfers of Kasasa Cash earnings or Cash Back rewards

  • 1.00% APY3 on balances up to $25,000

  • 0.25% APY3 on balances above $25,000

  • 0.05% APY3 if qualifications aren’t met

Qualifiers

  • Must be linked to a Kasasa Cash or Kasasa Cash Back account

* Kasasa Cash® Checking not available in Lubbock.

(2) When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000.00 in your Kasasa Cash account earn an Annual Percentage Yield of 2.00% at an interest rate of 1.982%; and average daily balances over $10,000.00 earn a range from 2.00% to 0.27% APY depending on the account’s average daily balance at an interest rate of 0.10% on the portion of the average daily balance over  $10,000.00. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire average daily balance will result in an APY of 0.05% at an interest rate of 0.05% and ATM withdrawal fees will not be refunded.

(3) When your linked Kasasa Cash or Kasasa Cash Back account(s) qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including 25,000.00 in your Kasasa Saver account earn an Annual Percentage Yield of 1.00% and average daily balances over $25,000.00 earn a range from 0.40% to 1.00% APY depending on the account’s average daily balance at an interest rate of 0.25% on the portion of the average daily balance over $25,000.00. When your linked Kasasa Cash or Kasasa Cash Back account(s) qualifications are not met, the entire average daily balance in the Kasasa Saver account earns an APY of 0.05% with an interest rate of 0.05%.