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Premium Interest Checking

Checking that makes your money work harder.

Invest in your financial future

It’s time to grow your wealth. Build on your banking relationships and get more out of every dollar with Premium Interest Checking. After all, you’ve earned it.

Benefits of Premium Interest Checking

Earn Interest

On your checking balance. Plus, premium rates on linked savings, money market and CD accounts

Access Cash

No withdrawal charge on up to three transactions at other banks’ ATMs each statement month

Protect Yourself

No fee on overdraft transfers from your savings or credit reserve line

Save Money

No monthly service fee for linked savings and money market accounts

Premium Interest Checking®

Expect more from your checking account.

Enjoy additional features and benefits
  • Easily make purchases and access funds using your debit card or digital wallet
  • Manage your money anytime, with 24/7 digital banking, mobile check deposits and Zelle®  
  • Reach out to our U.S.-based customer service Mon - Sat, 7:00 a.m. - 10:00 p.m. CT
  • Take advantage of paperless statements, notices and tax documents
  • Enjoy no fee on your first incoming domestic wire transfer each statement month
  • Receive discounts on check orders

Premium Interest Checking Details

Monthly Service Fee
$25
Options to Avoid Service Fee per Statement Cycle

Enjoy no monthly service fee when you maintain a combined deposit balance of $10,000 OR a combined deposit and Personal loan balance of $25,000.

Minimum Opening Deposit
$50

The Amegy Bank Difference

All of our checking accounts come loaded with the tools you need to make managing your money simple and easy.

Digital Banking

Quickly manage your finances whenever and wherever you need to from your phone, tablet, or computer.

Debit Card

Use your Visa® Debit Card to shop anywhere Visa is accepted, with the peace of mind of Zero Liability Protection.

Zelle®

Effortlessly send or request money with friends, family, and others you know at no additional charge to you.

Online Bill Pay

Easily set up a one-time or recurring payment and never have to worry about being late on a bill payment again.

Account Alerts

Get automatic alerts when we detect a suspicious transactions and set up low-balance notifications for your account.

Mobile Deposit

Skip the trip to the bank by using our mobile app to snap a picture of a check and deposit it straight to your account.

Premium interest on your account balance

Interest Rate
by Account Balance

$0.00 - $999.99

0.04%

$1,000.00 - $2,499.99

0.04%

$2,500.00 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.06%

$25,000.00 - $99,999.99

0.08%

$100,000.00 +

0.08%

$0.00 - $999.99

0.04%

$1,000.00 - $2,499.99

0.04%

$2,500.00 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.06%

$25,000.00 - $99,999.99

0.08%

$100,000.00 +

0.08%

$0.00 - $999.99

0.04%

$1,000.00 - $2,499.99

0.04%

$2,500.00 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.06%

$25,000.00 - $99,999.99

0.08%

$100,000.00 +

0.08%

Variable APY
by Account Balance

$0.00 - $999.99

0.04%

$1,000.00 - $2,499.99

0.04%

$2,500.00 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.06%

$25,000.00 - $99,999.99

0.08%

$100,000.00 +

0.08%

$0.00 - $999.99

0.04%

$1,000.00 - $2,499.99

0.04%

$2,500.00 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.06%

$25,000.00 - $99,999.99

0.08%

$100,000.00 +

0.08%

$0.00 - $999.99

0.04%

$1,000.00 - $2,499.99

0.04%

$2,500.00 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.06%

$25,000.00 - $99,999.99

0.08%

$100,000.00 +

0.08%

Account Balance
Interest Rate
Variable APY
$0.00 - $999.99

0.04%

0.04%

$1,000.00 - $2,499.99

0.04%

0.04%

$2,500.00 - $4,999.99

0.05%

0.05%

$5,000.00 - $24,999.99

0.06%

0.06%

$25,000.00 - $99,999.99

0.08%

0.08%

$100,000.00 +

0.08%

0.08%

$0.00 - $999.99

0.04%

0.04%

$1,000.00 - $2,499.99

0.04%

0.04%

$2,500.00 - $4,999.99

0.05%

0.05%

$5,000.00 - $24,999.99

0.06%

0.06%

$25,000.00 - $99,999.99

0.08%

0.08%

$100,000.00 +

0.08%

0.08%

$0.00 - $999.99

0.04%

0.04%

$1,000.00 - $2,499.99

0.04%

0.04%

$2,500.00 - $4,999.99

0.05%

0.05%

$5,000.00 - $24,999.99

0.06%

0.06%

$25,000.00 - $99,999.99

0.08%

0.08%

$100,000.00 +

0.08%

0.08%

Rates effective as of:

Rates and products offered may differ from state to state. To see the rate and offering available to you, please select where you bank. (Your privacy is important to us - see our Privacy Notice)

Amegy Bank Regional Deposit Rate Sheets

Check out our standard rate sheet, which includes relationship bonuses and promotional rates, to see which account best meets your needs. In addition, you can view rates in San Antonio, New Braunfels, and Austin, and rates in Dallas-Fort Worth.

Ready to get started?

With Premium Interest Checking from Amegy Bank you get a more rewarding checking experience. Earn interest. Link additional accounts at premium rates. Access additional services for low or no fees.

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