Our most popular checking solution is packed with benefits and has no monthly service fee1 when you sign up for online statements.
Full Service Access Without the Full Service Fees
Access Checking gives you all the benefits of a full-service checking account – like a great app, debit card Block/Unblock, unlimited check writing and free access to Bank of Texas ATMs. But what makes it stand out is that Access Checking comes with no monthly service fee when you choose online statements.1
Totally Free Access
With Access Checking, you get a free Visa® Debit Card and unlimited transactions, so you can make purchases in store or online to your heart's content. Your debit card also doubles as an ATM card, allowing you to make deposits at any Bank of Texas ATM. And, you get free access to more than 32,000 ATMs nationwide.
Convenience at Your Fingertips – For Free
You won’t be charged a monthly service fee when you choose to receive online statements. Get 24/7 access to your account in Online and Mobile Access to view transactions, get instant alerts, pay bills, transfer funds or make mobile deposits through our app.
Reach Your Savings Goals Faster with QuickSave
Our Access Checking account comes with access to QuickSave, a tool designed to help you save money faster. If you enroll, every time you use your Visa® Debit Card to make a qualifying purchase, or complete an Online Bill Pay transaction, we'll automatically transfer an amount of your choosing into savings.
Enjoy These Perks with Your Account
Deposit checks, set account alerts, transfer funds, pay bills, send and receive money between friends with Zelle®, access your account statements, manage your debit and credit cards, and even your mortgage and personal loans all from our mobile app. Schedule an appointment to speak with a banker, or use our 24-hour automated ExpressBank to manage your account.
Send and receive money between friends and family with Zelle®, pay bills securely online or through our mobile app, make external transfers to your account at another bank, and transfer funds between your accounts with us. Use Apple Pay2 and Samsung Pay3 to easily and securely pay in-store, in-app, or online.
Note: Keep your money safe! Only send money to those you know with Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Think of Zelle® like cash: once you send a payment it cannot be canceled if the recipient is already enrolled. A U.S. checking or savings account required to use Zelle®. Safety Reminder: Bank of Texas will never ask for your personal information regarding your money. A U.S. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Easily find our banking centers and ATMs near you. You can use Bank of Texas ATMs to deposit checks, transfer funds, check your balances and more. Plus get free access to more than 32,000 additional no-fee ATMs nationwide.
Get free overdraft protection transfers4 from your linked savings, money market account or personal line of credit. Visa's Zero Liability5 covers unauthorized charges on your debit card when promptly reported. Use Digital Access to instantly block and unblock your debit card if lost or stolen, and set up account alerts to stay in the know on your account activity.
More about Access Checking
- Free Visa debit card
- Free Online and Mobile Access with Bill Pay
- Free access to more than 32,000 ATMs nationwide
- One complimentary overdraft fee refund per calendar year (upon request)
- Overdraft Protection4
- Free online statements
- ExpressBank 24-hour telephone automated account information
A $50 opening deposit is required.
- There is no monthly service fee for this account.
- If you choose to receive a monthly statement via postal mail, a statement fee of $2 will be assessed each month. To avoid this fee, you can turn off paper statements by logging in to Online or Mobile Access, selecting “online only”, and accepting the Online Statements Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.
$50 opening deposit is required.
1 If you choose to receive a monthly statement via postal mail, a statement fee of $2 will be assessed each month. To avoid this fee, you can turn off paper statements by logging in to Online or Mobile Access, selecting "online only", and accepting the Online Statements Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.
2 Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
3Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.
4 If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked savings, money market account or personal line of credit with us into your checking account at the end of any business day on which your Available Balance is less than zero. Limited to one linked savings or money market account or personal line of credit as a source of funding. Accounts are not automatically linked. Please notify your banker which account should be linked. To the extent the funds in your designated funding account are insufficient to cover all overdrafts in your checking account, an Overdraft Fee may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. See Summary of Fees and Definitions for pricing.
5 Visa's Zero Liability Policy does not apply to ATM transactions or to PIN Transactions not processed by Visa. U.S. issued cards only. See terms and conditions for Visa Debit Card.
Ready to Get Started?
Safely and securely open a Access Checking account online or by phone at
See the Summary of Fees and Definitions and Agreements and Disclosures.