Savings Accounts

Consumer Deposit Products

Texas Capital Bank’s deposit products for individuals include:

Money Market Accounts

Consumer Money Market Account

Services/Fees | Rates

  • Minimum opening balance: $100
  • Monthly maintenance fee: $12
  • Charge for excess third party withdrawals per withdrawal: $10
  • Interest compounded daily (interest paid on daily collected balances)
  • Interest credited monthly
  • Minimum daily ledger balance to earn interest: $500
  • Minimum daily ledger balance to avoid maintenance fee: $2,500
  • Limited to 6 withdrawals per month
  • Unlimited in person withdrawals
  • Free ATM card

Consumer Savings

Services/Fees | Rates

  • Minimum opening balance: $100
  • Monthly maintenance fee: $5
  • Interest compounded daily (interest paid on daily collected balances)
  • Interest credited quarterly
  • Minimum daily ledger balance to avoid maintenance fee: $500
  • Limited to 2 withdrawals per month; limited to 6 per quarter
  • Fee for excess withdrawal per withdrawal $2
  • Free ATM card

Minor's Savings Accounts For Children Under 16

Services/Fees | Rates

  • Minimum opening balance: $25
  • Monthly maintenance fee: None
  • Interest compounded daily (interest paid on daily collected balances)
  • Interest credited quarterly
  • Account converts to consumer savings at age 16
  • Limited to 2 withdraws per month; limited to 6 per quarter
  • Fee for excess withdrawal per withdrawal $2

Certificate of Deposit

Rates

  • Minimum opening deposit: $1000
  • Fixed rates
  • No service fee
  • Penalty for early withdrawal
  • Interest compounded daily

Individual Retirement Accounts Certificates of Deposit

Rates

  • Minimum opening deposit: $1000
  • Minimum additions $100
  • Fixed rates
  • No service fee
  • Penalty for early withdrawal
  • Interest compounded daily

Money Market IRA

Rates | Additional Detail

  • Minimum opening depost: $100
  • No set term
  • Variable rate
  • No service fee
  • Standard IRA penalties for withdrawals
  • Interest compounded daily (interest paid on daily collected balances)

Review our Fee Schedule.

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