Personal Checking Accounts

 

OnBudget Banking

Anytime Checking

Anytime Interest Checking

Advantage Checking

Premium Interest Checking

 
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Ideal For:

The OnBudget Banking account helps keep you aligned with your financial goals with a predictable monthly service charge of $5 and no overdraft fees.

Through a network of banking centers, ATMs and convenient digital banking options, Anytime Checking is the perfect blend of digital access and traditional banking.

Get all the benefits of Anytime Checking, plus earn interest on balances and other loyalty benefits. 

An exceptional value, Advantage Checking is exclusively for our Senior (age 62+), Military and WorkLife Banking clients.

Elevate your personal financial management with the unique benefits found in our Premium Interest Checking account.

View the personal checking & savings product brochure for more details

Checking Benefits

Interest Paid1
-- -- X X X
Minimum opening deposit
 $50 $50 $50  $50 $50 
Monthly Service Charge
$5 $6 $10 $0 $25
Options to avoid a Monthly Maintenance Fee per statement cycle+
 -- Make at least 10 debit and/or credit card purchases with your linked Amegy card
or 
Receive at least $250 in direct deposits 
or
Be age 25 or younger 
Maintain a minimum daily balance of at least $1,500 
or
Maintain a combined deposit and consumer loan balance of at least $10,000 
 --  Maintain a combined deposit balance of at least $10,000
or
Maintain a combined personal deposit, loan or line of credit balance of $25,000
Visa® Debit Card
X
X
X  X
X 
Unlimited use of Amegy Bank ATMs
X
X
X
X  X
Online Banking
X
X  X
X
X 
Online Bill Pay2 -- X  X
X
X 
Check writing
--  X
X
X
X 
Non-Amegy domestic ATMs  -- -- One (1) Amegy withdrawal fee waived per statement cycle 
(other bank ATM fee may apply)
Three (3) complimentary transactions per statement cycle
Three (3) complimentary transactions per statement cycle
Check orders placed with Amegy Bank
--  -- No fee for 1st order of Amegy design checks; 30% discount on any other check design
Complimentary Amegy design checks; 30% discount on any other check design
Complimentary Amegy design checks; 30% discount on any other check design
No fee for Amegy Cashier's Checks
-- -- -- -- X
No monthly maintenance fee for additional Savings or Money Market accounts linked to your account3
-- -- -- -- X
Incoming Domestic Wire Transfer fee waivers
-- -- -- -- X
1/month
Premium interest rates on linked Savings, Money Market and CD balances4
-- -- -- -- X
No-cost overdraft transfers from Savings or Overdraft Line of Credit5
-- -- -- -- X
 
 

Trademarks: Trademarks used are registered and owned by their owners and Amegy Bank does not claim any ownership or exclusive rights to the use of these trademarks.

*Please refer to the Deposit Account Agreement, Deposit Rate Sheet and Personal Account Schedule of Fees available in the online Agreement Center, or speak with a banker for more details.

+ Minimum Balance/Combined Balance Requirements – In order to avoid a monthly maintenance fee, the minimum balance or combined balance requirement must be met. The monthly maintenance fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly maintenance fee will be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following Amegy Bank linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, Home Refinance, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts.

1 Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact an Amegy banker for details.

2 Online and Mobile Banking with Bill Pay: Mobile banking is included at no cost from Amegy Bank. Requires download of Amegy Bank App from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online banking. Subject to the terms and conditions of the Internet Banking Services Agreement. Some Online and Mobile features, including Bill Pay, may not extend to minors.

3 Linked Account Benefit – Monthly maintenance fees are waived when the primary owner of the checking account is also an owner on the linked account.

4 Premium Rate Tier – Premium rate tiers are applied automatically to qualified accounts when the primary owner of the checking account is also an owner of the linked interest- bearing account. Please see Consumer Deposit Rate Sheet for details.

5 Overdraft Protection Services – Transferred funds must be from a designated, eligible linked deposit account or Overdraft Line of Credit (subject to credit approval). Subject to minimum transfer amount.