Personal Checking

From our basic Moody Checking with no minimum balance requirements and no monthly service charge to interest-bearing checking account options, you’ll find the perfect checking account for you at Moody Bank.

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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.

Moody Bank has joined the Cities for the Financial Empowerment Fund (CFE) to certify our Moody MyFreedom Account. Click here to learn more.

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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 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	Added benefits for age 55+	Pays interest on your balance	Greatest number of benefits
Minimum Opening Deposit	$25	$50	$50	$1,500	$25,000
Minimum Balance Required	$0	$0	$0	$1,500	$25,000
Monthly Service Charge	$0	$0	$0	$15¹	$25²
Online Banking and Bill Pay³	✓	✓	✓	✓	✓
Mobile Banking⁴	✓	✓	✓	✓	✓
e-Statements	✓	✓	✓	✓	✓
Debit Card	✓	✓	✓	✓	✓
24/7 Telephone Banking	✓	✓	✓	✓	✓
Free Safe Deposit Box⁵			✓	✓	✓
Interest-Bearing Account				✓	✓
Free Cashier's Checks and Money Orders			✓		✓
Non-Moody Bank ATM Transactions Waived Per Month	0	0	3	3	10
Free Stock Checks			First order	1 box per order for life of account	1 box per order for life of account

¹If balance falls below required minimum. ²For 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. ³Bill 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. ⁴Mobile 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. ⁵Safe deposit box size varies per account. Free for first year only with Moody Honor account.

Personal Checking FAQs

1. What personal checking accounts does Moody Bank offer?

Moody Bank offers a variety of personal checking account options designed to meet different financial needs, whether you're looking for an everyday checking account, convenient digital banking tools, or personalized service from a local Texas community bank. Compare available checking account options to find the account that best fits your lifestyle.

2. Can I open a Moody Bank personal checking account if I live in the Houston or Galveston area?

Yes. Moody Bank serves customers throughout the greater Houston, Galveston, and Central Texas regions with local banking centers and personal banking solutions. Whether you're opening your first checking account or switching banks, Moody Bank provides personalized support throughout the process. Learn more: Tips for Meeting Your Financial Goals

3. Does a Moody Bank checking account include online and mobile banking?

Yes. Moody Bank checking customers can access secure online banking and mobile banking to check balances, transfer funds, pay bills, view transactions, deposit checks (when enrolled), and manage accounts from virtually anywhere. Learn more: Exciting Announcement: New Online & Mobile Banking Experience

4. Can I temporarily lock my Moody Bank debit card if it's misplaced?

Yes. Through Moody Bank's online and mobile banking platform, customers can temporarily disable a misplaced debit card, report a lost or stolen card, or request a replacement directly through Card Management. Learn more: Tips to Optimize Your Digital Banking Experience

5. How do I report a lost or stolen Moody Bank debit card?

If your debit card is lost or stolen, contact Moody Bank immediately. You can also use the mobile banking app to lock your card if you believe it has only been misplaced. Learn more: Beware of Fraudsters

6. Can I receive electronic statements with my Moody Bank checking account?

Yes. Moody Bank offers eStatements, allowing customers to securely access their account statements online instead of receiving paper copies. Customers can enroll through online banking.

7. Can I set up account alerts for my Moody Bank checking account?

Yes. Moody Bank customers can customize transaction and spending alerts through online banking. Alerts can help you monitor account activity and stay informed about purchases, withdrawals, and other transactions.

8. Can I reorder checks for my Moody Bank checking account online?

Yes. Eligible checking account customers can conveniently reorder checks through Moody Bank's online banking platform without visiting a banking center.

9. Why choose a community bank like Moody Bank for your checking account?

Moody Bank has served Texas communities since 1907, offering personalized service, local decision-making, convenient digital banking tools, and a variety of personal banking solutions designed to help customers manage their finances with confidence.

10. What other personal banking services can I access with a Moody Bank checking relationship?

In addition to personal checking accounts, Moody Bank offers savings accounts, personal loans, credit cards, online banking, mobile banking, and other financial solutions to help customers meet their short- and long-term financial goals. Learn more: How to Use Digital Wallets Safely & Effectively