Your BankDirect accounts have been transitioned to Texas Capital Bank accounts. Over the next sixty (60) days, we will be migrating you to the Texas Capital Bank online banking experience. Replacement debit cards ordered by customers will feature the Texas Capital Bank brand and a different card number than their former BankDirect-branded debit card.

BankDirect Customer Support will be closed for Independence Day on Monday, July 4, 2022. We will be back to our normal 8:00 AM to 6:00 PM customer support hours on Tuesday, July 5, 2022.

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Savings & Money Markets

    Money Market Account

    Money Market Account Plus provides the liquidity and convenience of a checking account, plus competitive interest rates.

    $500

    to open

    High-yield interest

    paid on collected balances of $10,000.00 and above.

    $0

    monthly fee

      • $500 to open

      • Interest compounded daily

      • Interest paid on collected balances of $10,000.00 and above

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

      • Free Visa® CheckCard for ATM withdrawal

      • Four (4) reimbursed ATM withdrawals per statement cycle (up to $2.50 per transaction)

      • Unlimited ATM withdrawals without penalty (ATM withdrawals do not count against the six-transaction limit)

      Online Bill Pay and POS transactions are not available to Money Market Account holders.

      Rates

      account level annual % yield monthly fee
      Money Market $0.00 to $9,999.99 0.00% None
      Money Market $10,000.00 and above     0.50% None

      An Annual Percentage Yield 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 Annual Percentage Yield is what you will receive. Fees may reduce earnings on accounts.  $500 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.

      Regular savings account

      Keep a high balance in a regular savings account and earn more interest — while also enjoying the ability to simply transfer money to your checking with interest account when you need to pay bills.

      $500

      to open

      Overdraft Protection

      Link to your BankDirect checking account to avoid overdraft.

      $0

      monthly fee

        • $500 to open

        • Interest compounded daily

        • Interest paid on collected balances

        • Free Visa® CheckCard for ATM withdrawal (upon request)

        • Four (4) reimbursed ATM withdrawals per statement cycle (up to $2.50 per transaction)

        Rates

        Account level annual % yield monthly fee
        Savings 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; $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.