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Spend 

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.

 

Open an Account Online!

It’s easy and quick to apply for a Moody Bank account online. Click the button below to start the process now.

 

GET STARTED

 

 

Moody
MyFreedom

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

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
Online Banking and Bill Pay2
Mobile Banking3
e-Statements
Debit Card
24/7 Telephone Banking
Free Safe Deposit Box4      
Interest-Bearing Account        
Free Cashier's Checks and Money Orders        
Non-Moody Bank ATM Transactions Waived Per Month 0 0 3 3 3 10
             

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. 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. 

Save 

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!

 

  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

Interest Bearing Account

e-Statements
Online Banking
Mobile Banking2
Transaction Limitations Per Statement Cycle3 6 6 6 6 6
Check Writing Ability      

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

 

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.

  • Earn higher interest rates that 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

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. View current rates.

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

APPLY NOW

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

APPLY NOW

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 

APPLY NOW

Home Equity Loans

Build an addition, put in a pool, improve your landscape, consolidate debt, and more. Moody Bank has been helping Texas homeowners since 1907.

  • Turn your equity into a loan to take on any project
  • Affordable interest rates and flexible terms
  • Local decision making for quick responses to your needs

REQUEST INFO

Home Mortgage Loans

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.

  • Loans for purchasing or refinancing your home
  • A variety of interest rates and terms to fit your needs
  • Local mortgage experts to assist you every step of the way  

REQUEST INFO

Home Construction Loans

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. 

  • One-time close so you don't have to refinance when construction is complete
  • During construction, you only pay interest
  • Competitive pricing

REQUEST INFO

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

    APPLY NOW

 

Give

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
  • Available for gift-giving and/or traveling convenience
  • Purchase gift cards in any amount from $10 to $1,000
  • Purchase travel cards in any amount from $10 to $5,000
  • Fees may apply. Contact your nearest Banking Center for more information