Personal Checking

Finally, a checking account tailored to your needs.

At FirstCapital Bank of Texas, we believe there’s only one way to manage money—your way. That’s why we offer a choice of personal checking accounts so you’re sure to find the one that’s right for you. Whether you need a no-frills free checking account or are looking for a checking account that earns interest, you’ll find the perfect fit here.

tiny fcbt logo First Free Checking:

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

tiny fcbt logo First Interest Checking:

Earn higher interest the higher your balance. Keep a monthly balance of $1,000, and you’ll avoid fees, too. If your balance falls below the minimum, there’s a $12 monthly charge and $0.15 per-item charge if you exceed 45 checks or withdrawals that month.

Add Your Choice of Conveniences

No matter which of our personal checking accounts you choose, you’ll have access to a host of great conveniences and value-added options:

  • FREE standard debit/ATM card
  • FREE Online Banking with Bill Pay
  • Popmoney
  • FREE Mobile Banking
  • FREE Telephone Banking
  • Check images with statements (paper or eStatement)
  • BaZing Benefit Package add-on
  • Smart Savings FREE account add-on, which transfers $1.00 from your personal checking account into your savings account each time you swipe your debit card**.
  • Optional overdraft protection (with First Free and First Interest Checking)
Ready to get started?

For more information or to open your personal checking account, contact us, call your FirstCapital banker at 844.322.8392 or visit your local branch.


Limits and Fees Schedule

Contact us for a list of current interest rates.

**SmartSavings transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1. Normal overdraft fees would apply. This feature may be terminated at any time by contacting the operations department of FirstCapital Bank of Texas, N.A. at 844.FCB.TEXAS (844.322.8392) or by requesting termination in writing to Operations Dept., FirstCapital Bank of Texas, N.A., P.O. Box 9980, Amarillo, Texas 79105-9927.