Accounts

One size fits all? That's not the way we do business.

Pretty much everyone needs a good checking account. But at Spirit of Texas Bank, we know that not everyone wants the exact same checking account. After all, Texans have different daily routines, different financial needs, and different ideas about what might make their lives a little easier.
 
So go ahead, choose an account that keeps things nice and simple. Or one that pays interest on deposits. Or one that offers extras like medical discounts and ID theft protection. With every option, you'll enjoy low fees, lots of convenience, and features that let you manage money in your own unique way. All of our accounts also include:
 
  • Unlimited 24/7 Online and Mobile Banking
  • Free Mastercard debit card
  • Access to nationwide network of thousands of surcharge-free ATMs

eLite Checking

  • Minimum opening balance of $25
  • Sign up for eStatements and pay no monthly fee ($8 without eStatements)
  • No minimum balance requirement
  • No deposit limitations. Some withdrawal limitations apply.

Liberty Checking

  • $1,000 minimum opening balance
  • No monthly fee with $1,000 average balance ($10 with lower balance levels)
  • Earn interest by maintaining $1,000 monthly balance
  • Tiered interest levels mean that bigger balances may pay higher rates

Heritage Checking

  • Designed for people age 50 and older
  • No monthly service charge
  • Earn interest with $500 average daily balance
  • Variable interest rate

STAR Checking

  • $25 minimum opening balance
  • No monthly fee if you maintain a combined balance of $50,000 in qualifying accounts ($7 with lower balance levels)
  • Wide variety of STAR Checking benefits (see below)

STAR Interest Checking

  • $1,000 minimum opening balance
  • No monthly fee if you maintain a combined balance of $50,000 in qualifying accounts ($8 with lower balance levels)
  • Earn interest with $1,000 minimum daily balance ($10 minimum daily balance fee applies if balance falls below $1,000)
  • Tiered interest levels mean that bigger balances may pay higher rates
  • Wide variety of STAR Checking benefits (see below)

STAR Reward Benefits

  • Cell phone protection
  • Roadside assistance services
  • Enhanced shopping, travel, and attractions discounts
  • Personal estate guide
  • CyberScout ID theft assistance services
  • $10,000 AD&D insurance and travel assistance services
  • WellCard RX Health discounts on dental, vision, hearing, and prescription drug services
  • Discount on optional LifeLock ID Theft Protection services
  • One free order of standard wallet checks ordered from Spirit of Texas Bank per year
  • Two free cashier's checks per month
Details eLite Checking Liberty Checking Heritage Checking STAR Checking* STAR Interest Checking* Spirit Money Market Spirit Savings
Eligibility All customers All customers Customers age 50+ Individuals Individuals All customers All customers
Minimum Opening Balance $25 $1,000 $100 $25 $1,000 $2,500 $100
Monthly Service Charge $8 $10 None $7 $8 $10 $3
To Waive Monthly Service Charge Enroll in eStatements with image view Maintain $,1000 minimum daily balance Not applicable Maintain $50,000 in combined qualifying primary balances Maintain $50,000 in combined qualifying primary balances Maintain $2,500 minimum daily balance Maintain $100 minimum daily balances
Minimum Balance Requirement None $1,000 minimum daily balance to earn interest $500 minimum daily balance to earn interest None $1,000 minimum daily balance to earn interest

$10 minimum daily balance fee applies if balances falls belwo $1,000
$2,500 minimum daily balance to earn interest $100 minimum daily balance to earn interest
Interest None Tiered variable interest rate compounded daily and paid monthly Variable interest rate None Tiered variable interest rate compounded daily and paid monthly Tiered variable interest rate compounded daily and paid monthly Variable interest rate
Transaction Limits No deposit limitations. Some withdrawal limitations apply. See Schedule of Services for details. None None None None No deposit limitations. Some withdrawal limitations apply. See Schedule of Services for details. No deposit limitations. Some withdrawal limitations apply. See Schedule of Services for details.
Debit Card One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card.
"Balance" is considered collected balance during statement cycle.
 
* STAR Member Reward Benefits are included for all STAR Checking and STAR Interest Checking Accounts. STAR Membership Award Benefits include:
 
  • Cell phone protection
  • Roadside assistance services
  • Enhanced shopping, travel, and attractions discounts
  • Personal estate guide
  • CyberScout ID theft assistance services
  • $10,000 AD&D insurance and travel assistance services
  • WellCard RX Health discounts on dental, vision, hearing, and prescription drug services (this is not insurance)
  • Discount on optional LifeLock ID Theft Protection services (seperate enrollment required)
  • Plus the following bank services benefits: One free order of standard wallet checks ordered from Spirit of Texas Bank per year and two free cashier's
  • checks per month
 
 
 
 
 
 
 
 
Woman paying with debit card over phone