Commercial Account Information

Texas Capital Bank’s deposit products for commercial accounts include:

Interest Checking

• Minimum opening balance:  $100
• Service Fee:  $12 per month
• No charge if $1,500 minimum daily balance or $2,500 average ledger balance is maintained.
• Transactions:  Unlimited
• Unlimited Check Writing
• Interest: 
  • Earned on daily collected balance
  • Variable rate

Small Business Checking

• Minimum opening balance:  $100
• Service Fee:  $12 per month
• No charge if $3,500 monthly average collected balance is maintained
• Deposits:  No Charge
• First 50 paid debits and first 50 items deposited are free
• $.25 per excess transaction
• $10.00 fee for statements with check enclosures
• Transactions:  Unlimited
• Interest:  None

Professional Checking

• Minimum opening balance:  $100
• Transactions:  Unlimited
• Service Fee:  $30 Per Month
• No charge if $10,000 monthly average collected balance or $35,000 combined monthly average collected balance in other business accounts is maintained
• First 400 items are free
• $.40 per excess transaction
• $10.00 fee for statements with check enclosures
• Interest:  None 

Commercial Checking

• Minimum opening balance:  $100
• Transactions:  Unlimited
• Service Fee:  Refer to commercial fee schedule
• All accounts analyzed each month
• Interest:  None
  
  

Commercial Money Market Account

• Minimum opening balance:  $100
• Transactions:  Three free third-party withdrawals per statement cycle
• Service fees: 
  • No monthly fee if minimum daily ledger balance is more than $2500
  • $12 monthly fee if minimum daily ledger balance is less than $2500
  • $10 per withdrawal over six withdrawals per period
• Interest: 
  • Earned on daily collected balance
  • $500 minimum balance to earn interest
  • Credited monthly
  • Variable interest rate
    
    

Business Savings 

• Minimum opening balance:  $100
• Transactions:  Two free withdrawals per statement cycle
• Service fees: 
  • No monthly fee if minimum daily ledger balance is more than $500
  • $5 monthly fee if minimum daily ledger balance is less than $500
  • $2 excess transaction fee.  All fees assessed quarterly
• Interest: 
  • Earned on daily collected balance
  • Credited quarterly
  • Variable interest rate
    

Certificates of Deposit

• Minimum opening balance:  $1,000
• Transactions:  Allowed only at time of deposit or maturity 
• Service Fee:  No monthly service fee
• Penalty for early withdrawal
• Interest:  Fixed interest rate based on term of certificate
  

IOLTA (Interest on Lawyer's Trust Account)

• Minimum opening balance:  $100
• Transactions:  Unlimited
• Service Fee:  $12 per month
• No charge if $1,500 minimum daily balance or $2,500 average ledger balance is maintained
• Interest:  Earned on daily collected balance
• Variable interest rate
• Less monthly charges remitted to Texas Equal Access to Justice Foundation