Our Austin Capitol branch will close at noon on Friday, December 6 to move to our new Austin Shoal Creek location opening Monday, December 9.
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. From our basic Moody Checking with no minimum balance requirements and no monthly service charge to interest-bearing checking account options, you can find the perfect checking account for you at Moody Bank.
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.
Moody Bank is proud to offer the personalized service of a community bank and the products and services you expect from larger banks.
Browse our checking account options below or contact us if you need help choosing the right account to meet your needs.
Moody Bank has joined the Cities for the Financial Empowerment Fund (CFE) to certify our Moody MyFreedom Account. Click here to learn more.
It’s easy and quick to apply for a Moody Bank account online. Click the button below to start the process now.
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Moody Debit card only |
Moody Checking Most popular checking account |
Moody Hero Checking5 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 |
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Minimum Opening Deposit |
$25 |
$50 |
$50 | $50 | $1,500 | $25,000 |
| Minimum Balance Required | $0 | $0 | $0 | $0 | $1,500 | $25,000 |
| Monthly Service Charge | $0 | $0 | $0 | $0 | $151 | $251 |
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| Debit Card | |
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| 24/7 Telephone Banking | |
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| Free Safe Deposit Box4 | |
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| Non-Moody Bank ATM Transactions Waived Per Month | 0 | 0 | 3 | 3 | 3 | 10 |
| Free Stock Checks | First order |
1 box per order, for life of the account |
1 box per order, for life of the account |
1 If 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. 3 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. 4 Safe deposit box size varies per account. Free for first year only with Moody Honor account. 5Offered for first responders, doctors, nurses and hospital personnel.
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.
| Moody Savings | Moody Minor Savings* | Moody Money Market | Moody Premier Money Market | Moody Platinum Money Market | |
| Minimum Opening Balance | $100 | $25 | $2,500 | $50,000 | $250,000 |
| Minimum Balance Required | $100 | $0 | $2,500 | $50,000 | $250,000 |
| Monthly Service Fee | $51 | $0 | $151 | $251 | $0 |
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Interest Bearing Account |
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| Transaction Limitations Per Statement Cycle3 | 6 | 6 | 6 | 6 | 6 |
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1 If balance falls below required minimum.2Mobile 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
Guarantee your returns with this low-risk investment option. A Moody Bank CD offers fixed-rate earnings on your choice of flexible terms.
Here to Help You Save!
At Moody Bank, we work to find the right financial solutions for our customers' objectives.If you're looking to grow your savings in a risk-free way, a CD account may be the perfect option. Talk to our friendly, knowledgeable staff today or visit your nearest Moody Bank location.
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.
With a personal loan from Moody Bank, you can accomplish just about anything.
Ride in style in a new or used car, truck, boat or recreational vehicle.
Use your established savings as collateral and receive an even lower interest rate.
Build an addition, put in a pool, improve your landscape, consolidate debt, and more. Moody Bank has been helping Texas homeowners since 1907.
Looking for your first home? Need to upgrade as your family grows? We've got you covered. Applying for a mortgage doesn't have to be a hassle when you work with your friendly and knowledgeable local mortgage lenders.
Looking to build a brand new home? We make it easy to build the home of your dreams. Moody Bank is here to help with locally-based loan officers.
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®!
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.
