Open a Checking Account

Open Your Checking Account in Minutes

Simple choices. Transparent pricing. Digital banking that lets you pay bills, deposit checks, and manage your debit card—anytime, anywhere.

Online & mobile banking with mobile deposit and Bill Pay
Real‑time alerts and eStatements for added security and convenience
Card Controls to turn your debit card on/off and set alerts

Open Your Account

Find a Location

Find An Account That Best Fits Your Needs.

Simple everyday checking.

Account Name	Minimum Opening Balance	Monthly Service Charge	Account Distinctions
Simple Checking	$100	$5	No monthly service charge when: You receive electronic statements (E-Statements) exclusively OR;* You maintain a minimum daily balance of $5,000 or greater
Prestige Checking	$100	No Monthly Service Charge	No minimum balance to maintain Must be 55 years or older

Account Name

Minimum Opening Balance

Monthly Service Charge

Account Distinctions

Simple Checking

$100

$5

No monthly service charge when:
You receive electronic statements (E-Statements*) exclusively OR;
You maintain a minimum daily balance of $5,000 or greater

Prestige Checking

$100

No Monthly Service Charge

No minimum balance to maintain

Must be 55 years or older

Interest that adds up.

Account Name	Minimum Opening Balance	Monthly Service Charge	Minimum Balance to Obtain APY	Account Distinctions
Simple Interest Checking	$1,500	$12	$1,500 Rate Info	No monthly service charge when: You receive electronic statements (E-Statements*) exclusively OR; You maintain a minimum daily balance of $25,000 or greater
Money Market Checking	$2,500	$12	None Rate Info	No monthly service charge when: You receive electronic statements (E-Statements) exclusively OR;* You maintain a minimum daily balance of $25,000 or greater

Account Name

Minimum Opening Balance

Monthly Service Charge

Minimum Balance to Obtain APY

Account Distinctions

Simple Interest Checking

$1,500

$12

$1,500

Rate Info

No monthly service charge when:
You receive electronic statements (E-Statements*) exclusively OR;
You maintain a minimum daily balance of $25,000 or greater

Money Market Checking

$2,500

$12

None

Rate Info

No monthly service charge when:
You receive electronic statements (E-Statements*) exclusively OR;
You maintain a minimum daily balance of $25,000 or greater

Checking with real advantages.

Account Name	Minimum Opening Balance	Monthly Service Charge	Account Distinctions
Advantage Checking	$100	$12	No minimum balance to maintain See listing of benefits below
Prestige Advantage Checking	$100	$9	No minimum balance to maintain Must be 55 years or older

Account Name

Minimum Opening Balance

Monthly Service Charge

Account Distinctions

Advantage Checking

$100

$12

No minimum balance to maintain

See listing of benefits below

Prestige Advantage Checking

$100

$9

No minimum balance to maintain

Must be 55 years or older

Advantage & Prestige Advantage Checking Benefits

Free Bank stock checks or 50% discount on checks of your choice

Free Official Checks. Some restrictions apply.

$25,000 Accidental Life Insurance Policy & $100,000 Common Carrier $2,500 dependent children AD&D insurance**

Easy Saver shopping offers on home, automotive, travel, entertainment & health savings

Total Identity Monitor*** - Provides help in protecting your identity

Safe deposit box rental - 25% discount when auto-debited (where available)

Open Your Account

Bank from Anywhere — Securely

Mobile Deposit

Deposit checks with your phone—fast, secure, and free for eligible checking accounts.

Bill Pay

Pay one‑time or recurring bills online or in the app and track scheduled payments.

Card Controls

Instantly turn your debit card on/off and set transaction alerts for added safety.

Real‑Time Alerts & eStatements

Customize alerts for activity and go paperless with secure electronic statements.

Money Movement

Transfer between Pilgrim Bank accounts—and between accounts at other institutions.

Credit Score Insights

Check your credit score directly within digital banking to stay on top of your financial wellness.

Download the Pilgrim Bank App

Frequently Asked Questions

Basic identification (e.g., government‑issued ID), contact information, and your initial deposit that meets the minimum opening balance for your chosen account.

Once enrolled in digital banking, you can opt into paperless statements and set real‑time notifications for activity such as transactions, balances, and more.

Yes—certain accounts waive the fee when you choose eStatements exclusively or maintain a qualifying minimum daily balance (see account options above).

Bank with Confidence

FDIC Insured

Local, Texas‑based service

Secure digital banking

Interest rates and annual percentage yields are variable and may change at any time at the bank's discretion. Interest accrues on daily balances and is compounded and credited monthly.

*Electronic statements (E-Statements) - You must separately opt-in for electronic statements through your online banking account. Opening this account does not automatically enroll you for electronic statements.

**Insurance products are NOT FDIC INSURED, NOT A DEPOSIT, NOT AN OBLIGATION OF OR GUARANTEED BY PILGRIM BANK, ITS AFFILIATES, OR ANY GOVERNMENTAL AGENCY. If joint account, total coverage is divided evenly among signers

***By enrolling in Advantage Checking, you become eligible for one complimentary Total Identity Monitor membership per household. This is an OPTIONAL service and requires separate enrollment on your behalf. Your membership in Advantage checking does not automatically include a Total Identity Monitor membership.

****Safe deposit box contents are not FDIC insured.

Local Texas Banking, Powered by Modern Tools

Find An Account That Best Fits Your Needs.

Bank from Anywhere — Securely

Download the Pilgrim Bank App

Frequently Asked Questions

Bank with Confidence