Texas Capital Bank Visa® CheckCard and ATM Cards

International Transaction Alert - Visa® CheckCard and ATM Card Use:

The safety and security of our customers' accounts is vitally important to us; therefore, we are changing our international usage rules. Beginning March 1, 2012, due to the increase in ATM and Debit Card fraud overseas, Texas Capital Bank will not authorize any transaction originated internationally unless our customer has contacted us to request us to do so. If you plan to travel outside the United States, or initiate a transaction with a vendor outside the United States, please contact Client Support (1.877.839.2737) to temporarily authorize your Visa®CheckCard (debit card) and ATM Card and ensure there are no interruptions to your banking service.

It looks like a credit card, but acts like a check. You can use your Texas Capital Bank Visa® CheckCard to make purchases anywhere Visa® debit cards are accepted. The purchase amount is automatically deducted from your Texas Capital Bank checking account and you can view your transaction online.

The Texas Capital Bank Visa® CheckCard also allows you to access ATMs worldwide. Unlike many banks, we do not charge for ATM usage. However, some ATM owners apply a fee for use of their ATMs. Texas Capital Bank may refund your ATM transaction fees, please contact your local branch for more information.

Texas Capital Bank CheckCards are:

  • Easy-to-Use. Use your CheckCard at the time of purchase and the amount will be deducted from your checking account.
  • Convenient. There's no checkbook to carry, no check to write.
  • Welcome. Use your CheckCard everywhere Visa debit cards are accepted.

Learn how to protect your Texas Capital Bank Visa® CheckCard with Verified by Visa®. Texas Capital Bank Visa® CheckCards are offered to checking account customers only.

As an additional security feature, effective September 2, 2008 Texas Capital Bank will apply a daily dollar limit of $2,500.00 to the Visa® CheckCard.

Texas Capital Bank Visa® CheckCards are not available to Money Market or Savings Account holders; for these accounts you may request a regular ATM Card.

There is a replacement card fee of $5.00 per card.

ATMs

Texas Capital Bank now partners with the Allpoint® Network to provide you with over 55,000 surcharge free ATMs. You will find that many of these surcharge free ATMs are located in some retailers such as select 7-Eleven, CVS, Walgreens, Kroger, Safeway, Costco and more. Just look for the Allpoint® logo on the front of the ATM.

Find a surcharge-free ATM location near you.

Download the Allpoint® Locator application for smartphone to quickly and easily find the Allpoint® ATM nearest you.

Surcharge-free Guarantee - Texas Capital Bank guarantees you will not pay a surcharge at any Allpoint® ATM. Some locations may have more than one ATM, not all of which are part of the Allpoint® Network. Check the ATM for the Allpoint® logo to ensure it's the right one. If you ever have a surcharge from an Allpoint® ATM, contact us at 1.877.839.2265 or clientsupport@texascapitalbank.com and we will refund the surcharge while we check into the error.

Please note: If you're prompted to accept a surcharge, press "yes" to accept and proceed with your withdrawal. You will not be charged or we will refund your fee.

Learn more about using your Visa® CheckCard or ATM Card when traveling internationally.

The link provided for the ATM Locator and Mobile Locator Applications directs to Allpoint® a third party website. Texas Capital Bank N.A., does not control the content of third party websites. If you have questions regarding the accuracy of the information provided on the ATM Locator, please contact Client Support at 1.877.839.2265 or clientsupport@texascapitalbank.com.

Texas Capital Bank puts no limitations on what ATM you choose. Because we don’t own a network of ATMs, we waive the $1.00 fee most banks charge you for not using their machines.

Deposit account holders have the option of receiving an ATM Card from Texas Capital Bank and can use the card at ATMs worldwide. Use your ATM Card and personal identification number (PIN) to currently initiate the following ATM transactions (some of these services may not be available at all ATMs):

  • Withdraw cash from your checking account
  • Withdraw cash from your money market account
  • Withdraw cash from your savings account
  • Transfer funds between your checking and savings account
  • Obtain balance information on your deposit accounts

Frequency of use and amount withdrawals:

  • You may withdraw up to a maximum of $500.00 (if there are sufficient funds in your account) per day
  • For security purposes, there may be limits on the frequency and amount of transfers you make at ATMs

Fees and charges for ATM transactions:

  • Machine owners may impose their own fee.
  • There is a replacement card fee of $5.00 per card.

ATM and Other Safety Tips