When we say "free," we mean it.

Free Checking City Bank Lubbock, El Paso, College Station, Dallas, Plano, Grand PrairieWhen we talk to friends and neighbors around town, we hear a lot about Free Checking. No one asks about how they can pay more for their checking account … go figure. It’s something we’ve taken to heart, and the City Bank personal Free Checking account is the result.

If all you want is a simple checking account with no strings attached, look no further than City Bank. When we say free, we mean it. It takes only a minimum deposit of $50 to open the account. After your account is open, there is no required minimum balance and there is no monthly fee. Plus your account comes with many more exciting features, such as a free City Bank MasterCard®1 debit card, free checks2, free online banking, free e-statements, free bill pay, and more. 

Account Features


Beginning December 1, 2015, Electronic Statements (E-Statements) will be the only statement option for this account and it is offered at no cost to you.

No Monthly Service Charge

Yes, it’s really free. No hassles, no exceptions. If you are looking to eliminate pesky monthly maintenance charges, City Bank’s Free Checking is the account for you.

No Minimum Balance

It takes only a minimum deposit of $50 to open a Free Checking account. After your account is open, there is no required minimum balance.

Free Debit Card

City Bank’s Free Checking includes a free debit card1. It’s convenient, secure and rewarding, so you can shop and bank with confidence.

Unlimited Check Writing

At City Bank, we want you to be able to write as many checks as you like with no fees. We’ll even give you free checks2 to use with your account.

Overdraft Protection

The City Bank overdraft protection3 program is a simple way to avoid the inconvenience and embarrassment of denied transactions. Occasional Overdraft Privilege Service (OOPS) could be added after 30 days if you qualify.

Free Checking Debit Card Mobile App

City Bank's Free Checking includes a free Mastercard® Debit Card along with the feature-packed capability of our mobile app.

Maximum Flexibility with No Fees

Make your banking better with Free Checking from City Bank. To sign up, contact a City Bank representative by calling 1-800-OUR-BANK, visit any of our convenient locations or fill out the Contact Us form below and we'll contact you soon.

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1MasterCard® is a registered trademark of MasterCard International Incorporated. 2Two free styles available. 3Always a discretionary service: Occasional Overdraft Privilege Service™ does not constitute an actual or implied agreement between you and City Bank.