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We wish to inform you that effective Monday, July 25, 2022, the BankDirect brand will retire and all open accounts will be transitioned to BankDirect's parent company, Texas Capital Bank. Please click here for more information.

BankDirect Customer Support will be closed for Memorial Day on Monday, May 30, 2022. We will be back to our normal 8:00 AM to 6:00 PM customer support hours on Tuesday, May 31, 2022.

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Checking Accounts

    Checking with interest

    Checking with Interest

    At BankDirect, simplicity is key. Our products are straightforward, and requirements are minimal, so banking with us is easy and as convenient as possible — and you can choose whichever product is right for you. 

    Competitive

    interest rates

    Four ATM withdrawals

    reimbursed per cycle

    Free

    Bill Pay service and Visa® CheckCard available upon request

      Features
      BankDirect’s Checking with Interest account is a full-service checking account with competitive interest rates. BankDirect will provide you with a Visa® CheckCard upon request so you can withdraw cash at any ATM or make purchases easily, no matter your location. You can pay your bills from your Checking with Interest account with our free Bill Pay service, and we will reimburse you the fees for four (4) ATM withdrawals per statement cycle, up to $2.50 per transaction. 
       
      • Competitive interest rates
      • $500 to open
      • Interest compounded daily
      • Interest paid on collected balances
      • Checks upon request; first order of 40 personalized checks free
      • Free Bill Pay service
      • Free Visa® CheckCard upon request
      • Four (4) reimbursed ATM withdrawals per statement cycle (up to $2.50 per transaction)
       
      Rates/Fees

      Rates

      account level annual % yield monthly fee
      Checking $0 to $2,499.99
      0.00%
      $15.00
      Checking $2,500 to $9,999.99
      0.05%
      None
      Checking $10,000 and above
      0.10%
      None

      An Annual Percentage Yield (APY) is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the APY is what you will receive. Fees may reduce earnings on accounts. $500 required to open; $2,500 minimum balance.

      Rates for variable rate accounts (Checking, Savings, MMA) are subject to change once account is opened. Fees are based on average ledger balance for the statement cycle.

      To view the BankDirect fee schedule, click here.

      Smart Checking

      Smart Checking

      At BankDirect, simplicity is key. Our products are straightforward, and requirements are minimal, so banking with us is easy and as convenient as possible — and you can choose whichever product is right for you.

      Free

      Bill Pay

      $0

      monthly maintenance fee

      Free

      Visa® CheckCard upon request

        Features
        • No monthly maintenance fee

        • Zero dollars to open

        • Checks upon request; first order of 40 personalized checks free

        • Free Bill Pay service

        • Free Visa® CheckCard upon request

        Rates/Fees

        Rates

        account level annual % yield Monthly fee
        Checking $0.00 and above
        0.00%
        None

        An Annual Percentage Yield (APY) is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the APY is what you will receive. Fees may reduce earnings on accounts. $0 required to open; $0 minimum balance.

        Rates for variable rate accounts (Checking, Savings, MMA) are subject to change once account is opened. Fees are based on average ledger balance for the statement cycle.

        To view the BankDirect fee schedule, click here.

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        Learn more about our commitment to accessibility by reading our Accessibility Statement.

        Bask Bank and BankDirect are divisions of Texas Capital Bank. Member FDIC. The sum of your total deposits with (i) Bask Bank; (ii) BankDirect; and (iii) Texas Capital Bank is insured up to $250,000. Additional coverage may be available depending on how your assets are held.
         
        Copyright© 2021 BankDirect and Bask Bank are divisions of Texas Capital Bank. Member FDIC. All rights reserved.

        BankDirect, the BankDirect logo and Texas Capital Bank are registered trademarks of Texas Capital Bancshares, Inc. NASDAQ®: TCBI

        Contact Us

        Phone
        877.839.2737
        Mon-Fri 8:00 am - 6:00 pm CT
        Closed Saturday and Sunday
        Email
        [email protected]