Personal Banking

Empower your financial future with personalized banking solutions designed to take your experience to the next level.

Get Started
Serving the community for over 100 years

Building relationships in Texas since 1907

Founded in Galveston in 1907 by W.L. Moody, Jr., Moody Bank has expanded its vision, assets, services and products over the years to serve a growing number of customers in greater Houston, Galveston and Central Texas. We are committed to building long-term relationships with our customers by providing the highest level of customer service.

116+ years
of Trusted Banking
Founded
1907
Founder
W.L. Moody, Jr.
Spend with confidence

Personal Banking Should
Feel Personal

At Moody Bank, we think that personal banking should feel personal. That’s why we offer a wide variety of options to fit every situation – so you can always find the account that feels just right for your needs.

Get Started
No Minimum Balance Requirements
No monthly service charges
Interest-bearing checking options
Local Branch Support
Feature
Moody MyFreedom
Debit card only
Moody Checking
Most popular checking account
Moody Hero Checking
Designed for our local heroes
Moody Honor Checking
Added benefits for age 55 +
Moody Plus Checking
Pays interest on your balance
Moody Platinum Checking
Greatest number of benefits
Account Type Debit card only Most popular checking account Designed for our local heroes Added benefits for age 55+ Pays interest on your balance Greatest number of benefits
Minimum Opening Deposit $25 $50 $50 $50 $1500 $25000
Minimum Balance Required $0 $0 $0 $0 $1500 $25000
Monthly Service Charge $0 $0 $0 $0 $15 $25
Online Banking and Bill Pay ✓ ✓ ✓ ✓
Mobile Banking ✓ ✓ ✓ ✓ ✓ ✓
e-Statements ✓ ✓ ✓ ✓ ✓ ✓
Debit Card ✓ ✓ ✓ ✓ ✓ ✓
24/7 Telephone Banking ✓ ✓ ✓ ✓ ✓ ✓
Free Safe Deposit Box ✓ ✓ ✓
Interest-Bearing Account ✓ ✓
Free Cashier's Checks and Money Orders ✓ ✓
Non-Moody Bank ATM Transactions Waived Per Month 0 0 3 3 3 10
Free Stock Checks First order First order 1 box per order for life of account
1If balance falls below required minimum. For Platinum Checking account, if total combined Moody Bank account balances are above $50,000, monthly service charge is waived even if Platinum Checking account balance is below $25,000. 2Bill Pay Limits: Email payees are limited to $1,500 per transaction and $2,500 per day. Individual payees with an account number are limited to $2,800 per transaction and $5,600 per day. 3Mobile Banking requires enrollment through Online Banking and download of the Moody Bank mobile app. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone and Android devices. Mobile deposit limit is $3,500 per day or $7,000 per month and a maximum of 10 deposits per month. 4Safe deposit box size varies per account. Free for first year only with Moody Honor account. 5Offered for first responders, doctors, nurses and hospital personnel.
Save with confidence

Saving For Your Future Should
Be Simple

You have goals and plans for your future. And we have options to fit your needs. Whether you’re saving for retirement or for a rainy day, save smarter with Moody Bank. Check out our various savings accounts, or contact one of our banking centers for our Certificate of Deposit and IRA interest rates. Apply today for a Moody Savings Account. Click the button below to start the process now.

Open an account online
Feature
Moody Savings
Moody Minor Savings
Moody Money Market
Moody Platinum Money Market
Moody Platinum Money Market
Minimum Opening Balance $100 $25 $2500 $50000 $250000
Minimum Balance Required $100 $0 $2500 $50000 $250000
Monthly Service Fee $5 $0 $15 $25 $0
Interest Bearing Account ✓ ✓ ✓ ✓ ✓
e-Statements ✓ ✓ ✓ ✓ ✓
Online Banking ✓ ✓ ✓ ✓ ✓
Mobile Banking ✓ ✓ ✓ ✓ ✓
Transaction Limitations Per Statement Cycle 6 6 6 6 6
Check Writing Ability ✓ ✓
1 If balance falls below required minimum. 2 Mobile Banking requires enrollment through Online Banking and download of the Moody Bank mobile app. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone and Android devices. Mobile deposit limit is $3,500 per day or $7,000 per month and a maximum of 10 deposits per month. 3 Pre-authorized transactions include check, draft, debit card, telephone transfer (including data transmission), automatic transfer, ACH or similar order payable to third parties. A per item fee of $10 will be charged for each returned debit in excess of six during the monthly statement. A $2 per item fee will be charged for all Non-Regulatory debits paid in excess of six during the monthly statement cycle for Moody Savings and Moody Minor Savings accounts. Other fees may apply. *With qualifying Moody Bank account
Spend with confidence

Certificates of Deposit

Guarantee your returns with this low-risk investment option. A Moody Bank CD offers fixed-rate earnings on your choice of flexible terms.

Get Started
Earn higher interest rates than with a traditional savings account
Fixed interest rate for the length of your term, even when the markets fluctuate
Terms from 6 months to 36 months
Funds are FDIC insured up to $250,000
$1,000 minimum opening balance
Early withdrawal penalties apply
Personal Loans

Borrow

Moody Bank has been helping Texans get the financing they need since 1907. What could the right loan help you do?Start that home improvement project you’ve been dreaming about. Consolidate debt and keep things all in one place. No matter your needs, we’re here to help you reach your financial goals.Browse our variety of loan options and reach out to one of our friendly, knowledgeable bankers if you have questions.

Personal Loans

With a personal loan from Moody Bank, you can accomplish just about anything.

Make your dreams and goals a reality with a personal loan
Competitive interest rates and affordable payments
Apply online for quick results
Button

Auto and Boat Loans

Ride in style in a new or used car, truck, boat or recreational vehicle.

Finance your dream boat or auto, quickly and affordably
Customized loans to meet your needs and budget
Apply online now for quick results
Button

CD Secured Loans

Use your established savings as collateral and receive an even lower interest rate.

Receive a lower interest rate and reduce the cost of the loan
Your CD continues to earn interest
No early payoff penalties
Apply online now for quick results
Button

Home Equity Loans

Ride in style in a new or used car, truck, boat or recreational vehicle.

Finance your dream boat or auto, quickly and affordably
Customized loans to meet your needs and budget
Apply online now for quick results
Button

Home Mortgage Loans

Ride in style in a new or used car, truck, boat or recreational vehicle.

Finance your dream boat or auto, quickly and affordably
Customized loans to meet your needs and budget
Apply online now for quick results
Button

Home Construction Loans

Ride in style in a new or used car, truck, boat or recreational vehicle.

Finance your dream boat or auto, quickly and affordably
Customized loans to meet your needs and budget
Apply online now for quick results
Button

Credit Cards

Everything you need in one convenient card. Choose the card that's right for you - low rates or rewards, and a world of additional advantages with Mastercard®!

Flexible rewards

Low introductory rate

Exceptional features and benefits

No Annual Fee

Gift & Travel Cards

Our pre-paid Visa® card options are the perfect fit for busy lifestyles. Check off your gift list with a universally appreciated Visa Gift Card. Travel safer with a Visa Travel Card instead of carrying cash. Either way, breathe a sigh of relief.
Both options can be used across the country, anywhere Visa is accepted.

Give and get the power of Visa

Low introductory rate

Exceptional features and benefits

No Annual Fee

Empower

Your Personal Banking Solutions

Explore our tailored personal banking services today.

Savings

Flexible Savings Accounts for You

Grow your funds with competitive interest rates and no monthly fees.

Learn More
Sign Up

Personal Loans Tailored to Your Needs

Get the funds you need for life's big moments.

Apply

Credit Cards with Great Rewards

Earn points on every purchase you make.

Discover
Loans

Home Equity Lines of Credit

Utilize your home's equity for financial flexibility.

Explore
Invest

Retirement Accounts for Your Future

Secure your retirement with our diverse investment options and expert guidance.

Start
Join

Customer Testimonials

See how our clients benefit from personal banking.

"Moody Bank has transformed my banking experience completely! Their team is always ready to help."

Jane Doe
Customer, Local Business

"The personal service at Moody Bank is unmatched. I feel valued every time I visit!"

John Smith
Owner, Retail Shop
www.moodybank.com says
You will be linking to another website not owned or operated by Moody National Bank. Moody National Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Moody National Bank.