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Select Checking

Select Checking

When you're ready to take your checking account to the next level, reward yourself with the perks of a Select Checking account.

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An Interest-bearing Checking Account — with Lots of Extras

Our Select Checking account provides lots of extra perks and premiums when you maintain higher balances or have your Bank of Texas mortgage auto-debited from your account. The account includes Premier Money Market relationship pricing, discounted rates on personal loans and one (1) automatic ATM fee rebate per statement cycle.

See the Simple Guide to Select Checking.

Account Features

  • Interest and Savings

    Earn Even More Interest

    In addition to earning interest1 on the money in your checking account, with Select Checking, you'll also enjoy special pricing on your Bank of Texas Premier Money Market account2.

  • Loans

    Save on Your Loans

    As a Select Checking client, you'll enjoy a discount3 on select loans with Bank of Texas. You'll get the convenience of having all your banking in one place, while still saving money on your rates.

  • Features

    Enjoy Plenty of Bonus Features

    With your Select Checking account, you can take advantage of extra perks, including free standard checks, one (1) automatic ATM fee rebate4 each statement cycle, complimentary overdraft fee refund5, and free incoming domestic wires.

Enjoy These Perks with Your Account

Select Checking pays you interest on your account balance, and provides bonus features and enhancements designed to help you live your best financial life. How you shop, spend, budget, save, pay bills or send money should be up to you. After all, it’s your money. We’re just here to make it at all a little easier for you.

  • 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 Pay6 and Samsung Pay7 to easily and securely pay in-store, in-app, or online.
  • 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 transfers8 from your linked savings, money market account or personal line of credit. Visa's Zero Liability9 covers unauthorized charges on your debit card when promptly reported. Instantly block and unblock your debit card if lost or stolen, and set account alerts to stay in the know on your account activity.

More about Select Checking

  • Money Market relationship pricing
  • Free standard checks or 50% off premium styles
  • Free statements (online and paper)
  • ATM fee rebate (1 per statement cycle)
  • Unlimited check writing
  • Free incoming domestic wires
  • No monthly fee when minimum requirements are met
  • Free Visa debit card
  • Free online and mobile banking with Bill Pay
  • Free access to more than 32,000 ATMs nationwide
  • QuickSaveSM
  • One complimentary overdraft fee refund per calendar year (upon request)
  • Overdraft Protection8
  • ExpressBank 24-hour telephone automated account information

$15 monthly fee is waived when you maintain one of the following:

  • EITHER maintain $10K average combined monthly balances in any combination of the following personal accounts: checking, money markets, savings, CDs, IRAs, installment loans, and lines of credit. Your mortgage balances with us are excluded from the combined balance calculation.
  • OR maintain a mortgage from us with auto-debit. Accounts are not automatically linked. Please notify your banker which accounts should be linked.
  • $50 opening deposit is required.

1 Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of non-cash items, such as checks. Unless stated otherwise, we use the daily balance method to calculate interest on your account. The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for interest rate information. For additional information, read the Summary of Fees and Definitions and the Agreements and Disclosures.

2 Regarding Premier Money Market relationship, the bonus interest rate is not automatically applied and must be requested. If the Select Checking Account is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank's then current applicable rate or fee.

3 Loan discounts do not apply to all types of loans and are applicable for new loans only. Discount applies to the Interest Rate at the time of application. Payment must be automatically debited from a Bank of Texas checking account. Some restrictions apply. All offers subject to credit approval.

4 As a Select Checking client, if you are charged an ATM fee by another financial institution, you will automatically be refunded one ATM fee per statement cycle.

5 One overdraft fee is refunded per calendar year, at client’s request.

6 If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked Bank of Texas savings, money market account or personal line of credit 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 or Returned Item Fee may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. Transfers from your savings or money market account may be subject to an excessive withdrawal fee. See Summary of Fees and Definitions for pricing.

7 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.

8 Samsung, 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.

9 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.

Get Started

Safely and securely open a Select Checking account online or by phone at (877) 589-1112.

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See the Summary of Fees and Definitions and Agreements and Disclosures.