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Checking Accounts

Choose Your Checking Account

When it comes to checking accounts, you need options. Some people want a simple account, while others want to earn interest and need flexibility. From basic accounts to interest bearing accounts and special benefits, Austin Bank has personal checking accounts and options to meet your needs. Complete our account inquiry form to start the process of opening your Austin Bank checking account. 

Complete Account Inquiry

Compare Our Checking Accounts

Each of our checking accounts include the following benefits:

  • Free Online Banking and Bill Pay
  • Free Online eStatements and Notices
  • Free Combined Statements
  • Free Basic Austin Bank ATM & Debit Card
  • Free 24-hour Bank-by-Phone
  • Automatic Transfer from Savings
  • Austin Mobile™ banking app
  • Austin Bank Rewards
  • Alerts for fraud, account activity and debit card usage
  • Discounted interest rate on consumer loans with automatic payment from an Austin Bank account (subject to credit approval)
Austin Star CheckingAustin Star Checking PlusEast Texas CheckingInvestment CheckingAustin 50 Advantage
What kind of account would you like?Perfect for everyday banking, students or as a convenient second account.Simply the best account around:  maximum interest rates, easy access and superior benefits.All the service - plus interest and a combined balance feature to offset monthly service charges.Market-leading interest paid on your checking dollars.For those age 50 or better, full banking services with added benefits.
Minimum opening balance$50$100$100$2,500$100
Monthly feeN/AN/A$10$15$5
Minimum monthly balance requirementsN/AN/AWith a combined minimum daily balance of $1,500 in this account, money market, savings or CDs, we will waive the monthly service charge.With a minimum daily balance of $2,500 we will waive the monthly service charge.With a minimum blanace of $100 we will waive the monthly service charge.
Interest PaidN/AAccrues on daily balances, pays monthly.  Interest rate determined by account balance and account feature requirements.Accrues on daily balances, pays monthly.Accrues on daily balances, pays monthly.  Interest rate determined by account balance.N/A
ATM/Debit Card Access
Online and Mobile Banking Available
Custom Account BenefitsN/AAustin Bank will refund up to a total of $30 per statement cycle in fees incurred using another bank's ATM.  This includes both the foreign fee charged by the other bank and the additional fee charged by Austin Bank.  Refunds are issues only if account requirements are met.Check images included with monthly statement.Check images included with monthly statement.Check images included with monthly statement.

One free order of bank stock checks per year or $5 off regular price of other design.
Account FeaturesFree eStatements
(Paper statements without check images are available for a $2 monthly fee)
To enjoy Austin Star Checking Plus:
•  Make at least 12 debit card transactions per month (ATM withdrawals excluded)
•  Access your online banking account at least one time per statement period
•  Receive monthly statements via online eStatements
•  Receive one direct deposit or one direct debit per statement period
•  Maintain a valid email address

* Charges from Fee Schedule for Miscellaneous Services apply to all checking accounts.

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