NOW Account

Standard Features

  • Interest bearing account*
  • Unlimited check writing
  • Minimum to open $1,500
  • Average Daily Balance of $1,500 to avoid $10.00 monthly service charge
  • An overdraft fee of $25 will apply to each item that overdraws an account**
  • A return item fee per presentment of $25 will apply per item or payment**
  • 24 Hour Telephone Banking
  • Free ATM Transactions at all CapTex Bank and Money Pass*** locations
  • Free Internet Banking with Bill Pay and Mobile Banking
  • Free Cashiers Checks
  • First order of Bank Choice checks free
  • Check Images returned with statement
  • Variable Rate
  • Interest rate and Annual Percentage Yield (APY) subject to change at bank’s discretion


*Account fees could reduce earnings

**An overdraft or return item fee of $25.00 will be charged per item for covering overdrafts created by check, in-person withdrawal, ACH or other electronic means excluding ATM/Debit card transactions. Be aware that such an item may be presented multiple times and an overdraft fee may be charged each time an item or payment is presented against insufficient funds.

***MoneyPass ATM Network offers surcharge-free transactions to cardholders in the MoneyPass Network.  This gives cardholders access to surcharge-free withdrawals at participating ATMs.  There are over 1,300 MoneyPass ATMs at other financial institutions and retail locations in Texas and 24,000 surcharge-free MoneyPass ATMs across the country.  To find locations of surcharge-free ATMs, check out or download the MoneyPass ATM Locator app.  A surcharge is a fee imposed by an ATM owner.

Service Charge

  • $10 imposed each statement cycle if average daily balance falls below $1,500