Consumer Deposit Products

Texas Capital Bank's deposit products for individuals include:

Checking Accounts


Smart Checking

  • Interest paid on collected balances: None
  • Minimum opening balance: $100
  • No monthly maintenance fee
  • Unlimited transactions
  • Free Visa®CheckCard
  • Free Online Banking

Capital Group Banking

Our Capital Group Banking program celebrates the relationship we have with your employer. As an employee of a Texas Capital Bank client, we invite you to open a personal account and enjoy a special collection of products and services including:

  • No maintenance fee non-interest bearing checking
  • Free Visa®CheckCard
  • Rebate non-Texas Capital Bank ATM fees (up to 4 per month and up to $5 per rebate)
  • First order of checks are free (standard style, one box)
  • No fees on American Express® Travelers cheques and cashier's checks
  • Free online banking and bill pay

Eligibility for a Texas Capital Bank account is not guaranteed by the relationship your employer has with the Bank but is subject to verification by the bank.

Capital Interest Checking

  • Interest compounded daily (interest paid on daily collected balances)
  • Minimum opening balance: $100
  • Monthly maintenance fee: $12
  • Unlimited transactions minimum daily
  • Ledger balance to avoid maintenance fee
  • $1,500 minimum monthly average balance to avoid maintenance fee $2,500
  • Minimum balance to earn interest $500
  • Free Visa®CheckCard
  • Free Online Banking

Electronic Transaction Account

  • Interest paid on collected balances: None
  • Minimum opening balance: $100
  • Monthly maintenance fee: $3
  • Overdraft fee capped at $10 daily
  • Unlimited electronic transactions
  • No check writing priviledges
  • Requires direct deposit of Federal Payments
  • Free Visa®CheckCard
  • Free Online Banking

Read about our Private Wealth StarPoint Collection products.

Review our Fee Schedule.

Learn more about our BankDirect personal savings, checking and CD products.