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 Checking Accounts

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At Colonial, it’s easy to find a checking service that fits nicely with the plans you want to make for your financial future. Whether you’re looking for something basic – or a little more advanced – we’re happy to talk you through your options.​


Colonial Free

Our most basic checking option includes a few perks to get you started.

  • $100 minimum to open
  • No monthly fees
  • Online banking and bill pay
  • Debit card
  • Optional $300 overdraft protection with a $30 fee per charge
  • Mobile Check Deposit

Learn More about colonial free

Apply in person

​Colonial Edge

Earn up to 4X the interest of regular money market account on any balance up to $25,000.

  • $100 minimum to open
  • Minimum balance fee of $10 automatically waived if you have one direct deposit per month or your balance stays above $500
  • No minimum balance required to earn interest
    • .40% APY on balances up to $25,000
    • .15% APY on balances over $25,000
  • Online banking and bill pay
  • Debit card
  • Optional Colonial Protect line of credit to avoid overdrafts
  • Mobile Check Deposit
  • 0.15% APY rate bump on certificates of deposit upon request
  • Free check processing for up to 15 checks per month

Learn More About Colonial Edge

Apply in person

Interest Checking

Colonial's interest checking allows you to earn interest on your balance and offers overdraft protection – if you need it.

  • ​$100 minimum to open
  • No balance requirement fee if account stays above $1,500
  • $10 per month or $15 per month for imaged checks
  • No transaction fee for first 50 checks each month 
  • Online banking and bill pay
  • Debit card
  • Optional Colonial Protect line of credit to avoid overdrafts
  • Mobile Check Deposit
  • Interest earned on balance of $1,500 or more
  • 0.15% APY rate bump on certificates of deposit upon request

Apply in person




Colonial Protect

Colonial Protect does just that, it protects your account from unexpected overdrafts with a special line of credit that you pay back each month. Never bounce a check again with this revolving loan.

It's simple!

When your checking account is presented with a check for payment in excess of your balance, funds are advanced to your account in $100 increments up to your available credit line. The total amount of your credit will depend upon qualification standards applied when you open your account.

See it with your statement

Each month you will receive a Colonial Protect activity summary with your checking account statement. If you have a balance, your minimum payment is 10% of your outstanding balance, or $25, whichever is greater. You may also check your Colonial Protect activity with online banking. 


You may pay your minimum payment, or any amount greater than that. If you do not pay by the due date shown on the statement, the minimum payment will be automatically deducted from your account. 


Colonial Protect is a revolving loan therefore you may reuse your loan as often as you wish.

Apply here

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© Copyright 1997-2020 Colonial Savings, F.A. All Rights Reserved. Bank and mortgage rates and terms subject to change without notice. This is not an offer to extend consumer credit as defined by Section 1026.6 of Regulation Z. Insurance products issued by Colonial Life Insurance Co. of Texas and DuBose and Associates Insurance are not insured by the Federal Deposit Insurance Corporation. Insurance products are not issued, guaranteed or underwritten by Colonial Savings, Colonial National Mortgage or the FDIC. Insurance products may involve investment risk, if appropriate, including potential loss of principal.

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Business Address: 2600 West Freeway, Fort Worth, Texas, 76102, US
Tel: 817-390-2380 | Email: csmarketing@colonialsavings.com.
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Colonial Rated 3.9 / 5 based on 115 reviews.