Texas Capital Bank Client Support will be closed for Martin Luther King, Jr. Day on Monday, January 17, 2022. We will be back to our normal 8:00 AM to 6:00PM support hours on Tuesday, January 18, 2022

Our Houston Four Oaks banking center at 1330 Post Oak Blvd., Ste. 100, will be temporarily closed on Tuesday, December 28, 2021. Please visit our Westway Banking Center at 4424 W Sam Houston Parkway N, Ste. 170, for all in-person banking needs.

Commercial Checking Accounts

Build a flexible-yet-tailored checking solution that aligns with your business vision and financial goals.

The cornerstone of your financial strategy

No matter what stage of business you’re in, having the right depository account is the cornerstone of any sound financial strategy. Our banking experts can guide you through your commercial checking options and help you build a solution that allows you to manage your day-to-day operation expenses, pay down debt and fund future investments.

Flexible Solutions

We offer a range of commercial account options that fit the needs of any size business.

Expert Team

Our team of experts will take the time to understand your business and recommend a solution designed for your organization’s needs.

Easy Management

It’s easy to get started. With online and mobile banking , you can open a an account within minutes. Ongoing management is simple and convenient.

Choose the account that’s right for your business.

Whether you’re an entrepreneur looking to start your next business or a forward-thinking corporation ready to kickstart growth, Texas Capital Bank can help you build a commercial checking strategy that evolves along with your business.


Account Type Minimum opening balance Features Interest* service fees


Low cost account designed to meet the basic needs of a growing business


  • Low volume to avoid fees

  • Unlimited transactions

  • Online & mobile banking

  • Visa Debit Card


  • $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




  • Accommodates higher activity volumes

  • Unlimited transactions

  • Online & mobile banking

  • Visa Debit Card


  • $30 per month

  • No charge if $10,000 monthly average collected balance or $35,000 combined monthly average collected balance is maintained across a related business account 

  • First 400 items are free

  • $.40 per excess transaction

Analyzed Checking   

Full service commercial treasury account providing comprehensive access to Treasury Management capability 


  • Unlimited transactions
  • High-volume accounts for more complex working capital needs
  • Access to full suite of Liquidity management solutions
  • Earnings Credit Allowance to offset fees
  • BankNow Treasury Services for Online & mobile banking
  • Visa Debit Card
  • Earnings Credit Rate offsets bank fees
  • Accounts are fully analyzed each month
  • Earnings Credit Rate assessed on monthly balances can eliminate or reduce monthly analyzed treasury fees
  • Aggregate monthly relationship average collected balances contribute to the earnings credit calculation
  • Refer to commercial fee schedule for comprehensive set of fees

Interest Checking 

Checking with the benefits of Earning interest



  • Unlimited check writing

  • Unlimited transactions

  • Online & mobile banking

  • Visa Debit Card

  • Earned on daily collected balance

  • $500 minimum balance 

  • Variable interest rate

  • $12 per month

  • No charge if $1,500 minimum daily balance or $2,500 average ledger balance is maintained

IOLTA* Account

Designed for Lawyers and law firms to hold segregated client funds in an interest checking account


  • Interest earned on escrowed deposits are used to fund legal aid for low-income

  • Unlimited transactions

  • Online & mobile banking

  • Earned on daily collected balance

  • Variable interest rate qualified for participating financial institutions 

  • Interest earned is remitted to Texas Access to Justice Foundation as the state appointed IOLTA program administrator 
    No monthly service fees

  • No monthly service fees

*Interest rates are subject to change based on market conditions. Please refer to the most recent rate sheet.

We have the know-how and results to offer expert service.

Liquidity and Investments

Ensure your working capital is working for you.

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Online and Mobile Banking

Make deposits and gain insights anytime, anywhere.

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Fraud Protection

Minimize your risks and the associated costs.

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Connect with an expert banker.

Experience more with experienced bankers who are committed to helping you grow.

Contact Our Experts