Personal Checking Accounts

AccessBank Texas offers a variety of products and services, making banking more convenient for you.

Online Banking

Online Banking

Bring the bank to your computer! When you enroll in online banking, you will enjoy the convenience of accessing your account(s) online from a computer with internet access.

  • No monthly fee for Access Online Banking
  • Check your account balance 24/7
  • Transfer funds between accounts
  • View recent and past transactions
  • View and print check images
  • Download banking information to your accounting software

Online Statements

Online Statements

Take comfort in the security of receiving your account statements online. View and archive statements for convenient access when you need them.

  • No monthly service charge for Access Online Statements
  • Available for checking and savings accounts
  • Receive statements earlier than 1st class mail delivery
  • Reduce the risk of statements loss in mail
  • View and print check images
  • Receive email notifications of statement availability

Online Bill Pay

Online Bill Pay

Eliminate the hassle of writing checks. With Online Bill Pay, you will have access to securely pay any bill anytime.

  • Included with all Access online bank accounts
  • Schedule one-time or recurring payments
  • Reduce the occurrence of late payments
  • Eliminate the risk of check fraud
  • Schedule payments days, weeks or months in advance

E-Deposit

E-Deposit

Depositing checks into your AccessBank Texas personal account is even easier! Simply enroll* for E-Deposit once logged into online banking. Once approved for Access E-Deposit banking, you are ready to download the E-Deposit mobile app. After your app downloads to your mobile device, you are ready to start making check deposits from your smart phone.

*Approval required to participate in E-Deposit banking.

Mobile Banking

Mobile Banking

Enjoy the same online banking features plus receive text alerts from the convenience of your mobile device with the AccessBank Texas mobile banking app.***

Once you have enrolled in online banking, you can configure your account to allow mobile access through our online banking system. (When logged into online banking, go to User Services and then choose Mobile Enrollment.)

Visa Debit Card

Visa Debit Card

Enjoy the ease of the AccessBank Texas Visa debit card. It can be used just like a credit card; charges are debited from your AccessBank Texas deposit account.

  • No waiting for check approvals
  • No need to carry a checkbook
  • No more worries about carrying cash
  • Accepted everywhere Visa is accepted
  • Can be used like an ATM card for withdrawing cash, transferring funds and checking balances
  • No fee for ATM transactions if you use your AccessBank TX Visa card at an AccessBank Texas ATM (a surcharge or fee may be imposed by other ATM owners)

Open a New Account

Contact us today if you have questions about opening a new personal checking or savings account.

Contact Us

Re-Order Checks

Need to place a new check order? Just click the button below and order your new checks online.

Re-Order Checks

ACCESS CHECKING ACCESS ADVANTAGE CHECKING ACCESS CONNECTION CHECKING ACCESS STUDENT CHECKING ACCESS 2ND CHANCE CHECKING
MINIMUM AMOUNT TO OPEN $0 $2,500 $0 $0 $500
SERVICE FEE N/A $15 per statement period N/A N/A $10 per statement period
ACCOUNT DETAILS*
  • Includes one (1) box of bank stock checks, if desired
  • Overdraft protection available in this account
  • Mailed statement option with a $2 service charge per statement period***
  • One (1) box of bank stock checks
  • Includes cashier's checks
  • Overdraft protection available in this account
  • Online and Mailed statements available upon request
  • Up to four (4) non-AccessBank Texas ATM usage fees waived per statement period***
  • Qualifying ATM's must be in the continental United States
  • To avoid the $15 service charge per statement period***, one of the following requirements must be met:
    • Maintain a minimum $2,500 average daily balance
    • Minimum one-time Direct Deposit per month in the amount of $500 or more that posts and settles within each statement cycle
    • Account holder is 62 years of age or older
  • One (1) box of bank stock checks
  • Includes cashier's checks
  • Overdraft protection available in this account
  • Mailed statement option with a $2 service charge per statement period***
  • $500 Mortgage closing credit when you choose AccessBank Texas to refinance or finance the purchase of your home
  • Employer's operation account must be at AccessBank Texas in order for the employee to be eligible for this account
  • Includes one (1) box of bank stock checks, if desired
  • Overdraft protection is not available on this account
  • Online and Mailed statements included upon request
  • Individuals are eligible to enroll in the student checking account up to the age of 18 years old
  • This account requires joint ownership of both the student and a qualifying adult
  • At age 18 years, the student's checking account converts to the Access Checking account and applicable fees will apply unless AccessBank Texas is otherwise notified
  • Check writing not permitted on this account
  • Overdraft protection not available on this account
  • Mailed statement option with a $2 service charge per statement period***
  • To avoid the $10 service charge per statement period***, maintain a minimum $1,500 average daily balance
INTEREST** This is a non-interest bearing account Interest bearing account at a Tiered Variable Rate****:
  • $2,500 - $24,999.99
  • $25,000 - $49,999.99
  • $50,000+
This is a non-interest bearing account This is a non-interest bearing account This is a non-interest bearing account

*AccessBank Texas does not authorize overdrafts for ATM transactions and one-time debit card transactions unless requested by the account holder. Overdrafts are paid at AccessBank Texas' discretion. Insufficient fund fees apply to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means. **For rate information, go to www.accessbanktx.com and click on “Deposit rates.” Annual percentage yield may change after account opening. Fees may reduce earning. ***Statement period is equal to one earnings cycle. ****Variable rate may change after the account is opened.