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Checking Accounts

Free Checking

Our free checking account is perfect for day-to-day expenses. You’ll enjoy a no minimum balance requirement or monthly maintenance fees with the safety and soundness of an FDIC insured account. There is a $100 minimum opening amount, but there are no limitations on the account.

Benefits include:


Heritage Account

This interest bearing account allows customers 50 years of age or better to earn interest on their checking account.

There is a $100 minimum opening balance and the account must maintain a $500 balance in order to receive interest. However, there are no limitations with the Heritage Account.

Benefits include:


NOW Account

Using a NOW Account is an excellent way for an individual or a business to earn interest, while having the freedom of unlimited transactions.

Our NOW Account require a $750 opening balance and the account must maintain a $750 balance, or a $7.50 fee will be charged.

Benefits include:


Individual Checking

If you are looking for a hassle-free checking account, Individual Checking is the perfect account for you. The minimum opening balance is $500 and the account must maintain a $500 balance, or an $8.00 fee will be charged. However, there are no limitations on this account.

Benefits include:


Investment Checking Accounts

Spirit of Texas Bank offers a range of investor accounts to help you reach your financial goals:

Investor Account

The Investor Account offers a competitive rate on investment and easy access to your funds when needed. There is a $1,000 minimum opening balance and a $10.00 fee if the account balance falls below $1,000 dollars during the cycle. Customers are allowed 6 transactions per cycle by pre-authorized, automatic, or telephone transfers.

Special Investor Account

This account is perfect for those who maintain higher balances, but want some of the flexibility of a checking account. There is a $5,000 minimum opening balance and a $10.00 fee if the account balance falls below $5,000 dollars during the cycle. Customers are allowed 6 transactions per cycle by pre-authorized, automatic, or telephone transfers.

Deluxe Investor Account

For those who would like to earn more interest on their investments, the Deluxe Investor Account offers the highest interest on investment for our institution. There is a $25,000 minimum opening balance and a $10.00 fee if the account balance falls below $25,000 in a cycle. Customers are allowed 6 transactions per cycle by pre-authorized, automatic, or telephone transfers.

All of our customers with an investment account will enjoy these benefits:

*A cycle is the amount of time from one statement to the next.

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