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*
  • 24 Hour Telephone Banking
  • Free ATM Transactions at all CapTex Bank and Money Pass*** locations
  • Free Internet Banking with Bill Pay
  • Free Cashiers Checks
  • First order of Bank Choice checks free
  • Check Images returned with statement
  • Variable Rate
  • Interest rate and APY subject to change at bank’s discretion
  • Personal mobile deposit check amount limit $2,500; $2,500 total daily limit


* An overdraft 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.

***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