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
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)
Kasasa Cash®* Checking
Checking that pays you to bank here (not the other way around).
Key Features
2.25% Annual Percentage Yield2 on balances up to $10,000
0.25% 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
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
backRefunds 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
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
1.25% APY3 on balances up to $25,000
0.50% 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 2.25% at an interest rate of 2.227%; and average daily balances over $10,000.00 earn a range from 0.43% to 2.25% to 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 $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 1.25% and average daily balances over $25,000.00 earn a range from 0.65% to 1.25% APY depending on the account’s average daily balance at an interest rate of 0.50% 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%.
