Consumer Banking Services

Consumer Banking Services and Fees

For more information on the financial products and services listed below that Texas Capital Bank can offer your employees, please call 877.TEX.BANK (877.839.2265) or visit the Texas Capital Bank location nearest you.

Direct Deposit

We accept pre-authorized payroll direct deposits to your checking or savings accounts. If you have arranged to have direct deposits made to your accounts at least once every 60 days from the same person or company, you can call us at 877.TEX.BANK (877.839.2265) to find out whether the deposit has been made to your account.

Fees: None

ATM/Debit Card

You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs within the networks identified on your card. You may use your card to:

  • Withdraw cash from your checking or savings account
  • Transfer funds between your checking and savings accounts
  • Get balance information on your deposit accounts

Details:

  • You may make unlimited cash withdrawals from ATMs per day
  • You may withdraw up to $500 (if there are sufficient funds in your account) per day

Fees and Charges: ATM owners may impose their own fees. There is a replacement card fee of $5 per card.

*Some of these services may not be available at all terminals.

Personalized Checks

Personalized check prices vary according to your selected design and check style.

Fees: $12 to $30. Designer checks can be ordered at an additional cost.

Monthly Statements

You get a monthly account statement from us, unless there are no transactions in a particular month. In any case, you will receive a quarterly statement on a savings account if it is the only account you maintain with us.

Fee: None

Stop Payments

Stop payments are not guaranteed. However, Texas Capital Bank will make every attempt to honor your request. If the item was transmitted electronically, or Texas Capital Bank has already accepted the check for processing, we will not be able to stop the item. Stop payments will remain in effect for 6 months.

Fee: $30 per request

Electronic Payments

You may arrange for us to complete pre-authorized recurring bill pays from your checking or savings account.

Fees: None

Capital TeleBanking

Your accounts are always accessible with Capital TeleBank!

  • Review account balances
  • Set up transfers between accounts
  • Retrieve your account history
  • Retrieve account statements
  • Change your ATM or CheckCard Personal Identification Number (PIN)
  • Private easy and convenient banking from your touch-tone phone

To access 24 hour customer service: Dial Capital TeleBank toll-free @ 877.839.2265, option 2

Fee: None

Other Services and Fees

Collection Items - outgoing $20 + cost/item
Collection Items - incoming $20 + cost/item
Administration Fee - Garnishments and Tax Levies: $50 per occurence
Temporary Checks: $3 per 10
Bond Coupon Redemption: $10 per issue
Statement Hold: $5 per statement per cycle
Account History: $3 per request (Instant Statement)
Special Statement: $5 per cut off
Check Copies: $3 per copy
Statement Copies: $3 per copy
Account Research: $25 per hour (1 hr minimum)
Cashier's Check:

$3 (Customer)

$10 (Non-Customer)

Traveler's Cheques: 1.75% of purchase (for two signers); 1% of purchase (for individual signers)
Gift Cheques: $2.50 per checque

Wire Transfers

(International):

$20 incoming;

$40 outgoing

(plus receiving bank charges)

Wire Tranfers

(Domestic):

$22.50 outgoing

(plus receiving bank charges)