Personal Checking

Choice Account

Easy to use, simple to choose! Whether your needs are basic or complex, the Choice Account will be right for you. The Choice Account is our most popular account from students to seniors. The Choice Account carries special benefits for adults over age 62.

Standard Features

  • Minimum to open $25
  • Unlimited check writing
  • Check images returned with statement
  • Visa Check Card
  • 24-hour Telephone Banking
  • No monthly service charge if your minimum daily balance is $1,000 or more
  • Service charge of $8.00 per month if minimum daily balance is below $1,000
  • Sign up for electronic statements/e-statements and receive $1.00 credit towards your monthly service charge
  • A normal 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*
  • First order of Bank Choice checks free
  • $25 “OOPS!” coupon (refund one overdraft, return or stop payment fee)
  • Free Online Banking with Bill Pay and Mobile Banking
  • Free ATM Transactions at all CapTex Bank and Money Pass*** locations


*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.

Special “Choice Account” Benefits for Senior Customers 62 or older

  • No Monthly Service Charge
  • Receive Free Cashier’s Check