Texas Capital Bank Client Support will be closed for Presidents Day on Monday, February 19, 2024. We will be back to our normal 8:00 AM to 6:00 PM support hours on Tuesday, February 20, 2024.

We will be making updates to our website from 9:00 p.m. CST on 02/28 to 11:00 p.m. CST on 02/28. During this time, the website may experience some interruptions of functionality or be unavailable.

Frequently Asked Questions


    What is Texas Capital Bank’s routing number?

    The routing number for both wire transfers and ACH transfers is 111017979.

    Am I covered by FDIC?

    Yes, Texas Capital Bank is a member of FDIC. The sum of your total deposits with Bask Bank and Texas Capital Bank is insured up to $250,000 per depositor for each account ownership category.

    The FDIC provides a Deposit Insurance Summary guide: Your Insured Deposits Guide and the Electronic Deposit Insurance Estimator (EDIE), which allows you to calculate your FDIC insurance coverage. The EDIE calculator can be found at www.fdic.gov/edie.

    If you have questions about FDIC insurance requirements, please visit www.fdic.gov or call 1-877-ASK-FDIC (1-877-275-3342).

    How do I change my mailing address, phone number or email address?

    You may reach out to Client Support via Secure Message or contact 877.839.2265. You may also contact your nearest Banking Center location or notify us in writing at the following address:

    Texas Capital Bank
    Attn: Client Support
    2350 Lakeside Blvd., Ste 800
    Richardson, TX 75082

    How do I add a joint signer on my account?

    You may reach out to Customer Support at 877.839.2265 contact the nearest Banking Center location or notify us in writing at the following address: 

    Texas Capital Bank
    Attn: Client Support
    2350 Lakeside Blvd., Ste 800
    Richardson, TX 75082

    How do I add or change beneficiaries?

    You may reach out to Customer Support at 877.839.2265 contact the nearest Banking Center location or notify us in writing at the following address: 

    Texas Capital Bank
    Attn: Client Support
    2350 Lakeside Blvd., Ste 800
    Richardson, TX 75082

    How do I fund my account?

    Please visit your nearest Banking Center location, wire funds or utilize the night drop boxes at each branch location to make a deposit.

    Texas Capital Bank purchased my mortgage. How do I set up a monthly mortgage payment or contact my mortgage servicer?

    PHH Mortgage Services (PHH) services loans on behalf of Texas Capital Bank. If you have a question, need to make a payment or contact your servicer, please reach out to PHH directly.  

    How does Texas Capital Bank protect its intellectual property assets and information?

    Texas Capital Bank is licensed by DTC under U.S. Patent nos. 5,910,988 and 6,032,137.

    Online Banking

      How do I login to Online Banking?

      Access Online Banking by visiting texascapitalbank.com and clicking “Log In” in the top right corner of the screen.

      Can I change my Online Banking username?

      Yes. In order to change your Online Banking username, you will need to contact Client Support at 1.844.426.9320.

      How can I change my Online Banking password?

      To change your password, click “Forgot Password” on the login screen of the website or call Client Support at 1-844-426-9320.

      Can I change my account nicknames?

      Yes. To change your account nicknames, click the "edit" icon located next to the name. A box will appear and give you the option to edit the current name; type the new name you’d like to use for your account nickname and click the checkmark to accept it (or the "x" to cancel).

      Do you offer bill pay?

      Yes. Bill pay is available for all Texas Capital Bank personal checking accounts, and allows you to:

      • Pay anyone any amount and change your instructions up until the payment date
      • Designate which checking accounts are debited
      • Select the debit date (please note that selectable dates include business days only)
      • Schedule regular fixed payments, like mortgage and loan payments
      • Establish a payee for regular variable payments like phone and utilities, and only enter the amount and payment date for subsequent payments
      • Pay an individual electronically using Texas Capital Bank’s Pay a Person functionality if they have a U.S. bank account and a valid email address 
      • Send a gift check 
      • Donate to numerous charities and/or organizations

      I have been locked out of my account. How do I log back in?

      If you have been locked out of your account, please contact Client Support at 1.844.426.9320.

      How do I place a stop payment?

      From the menu, click “Account Services.” From the list, select “Stop Payments.” Select the appropriate account number from the drop-down menu and select either “Single Check” or “Range of Checks.” Enter all of the check information that you have for the stop payment disclosure checkbox, and click “Submit.” Please note that you may be charged a stop payment fee.

      How long does it take to put a stop payment in place?

      The stop payment will take effect immediately.

      How do I send money using Zelle®?

      You can send, request, or receive money with Zelle®.

      1. To get started, log into Texas Capital Bank’s online banking or mobile app, navigate to ‘Move Money’ and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle®.
      2. To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes1.
      3. To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request."1

      To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.


      1. U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

      Which file types can I export from Online Banking?

      You can export the following file formats from Online Banking:

      • Spreadsheet (.xlsx)
      • Spreadsheet (.csv)
      • Microsoft OFX (.ofx)
      • Quicken (.qfx)
      • Quickbooks (.qbo)

      How do I set up account alerts?

      From the main menu, navigate to “Settings” and select “Alerts” to set or change alert settings. 

      What kind of alerts are available?

      • Alert when an external transfer is authorized
      • Alert when a computer or browser is successfully registered
      • Alert when a password is changed
      • Alert when secure access code contact information is changed
      • Alert when a micro deposit is created
      • Alert when the forgot password process is attempted for a login ID
      • Alert when an invalid password for a login ID is submitted
      • Alert when the forgot password process is attempted unsuccessfully
      • Alert when an invalid secure access code is submitted
      • Alert when a login ID is locked out
      • Alert when a new user is created
      • Alert when security alert preferences are changed
      • Alert when a user profile is updated
      • Alert when a valid password for a login ID is submitted
      • Alert when the forgot password process is successfully completed
      • Alert when a valid secure access code is submitted

      Which web browsers are recommended for accessing Online Banking?

      • Google Chrome
      • Mozilla Firefox   
      • Microsoft Edge

      How secure is Texas Capital Bank’s Online Banking platform?

      We’re dedicated to protecting your information, and our website has security measures in place to protect against the loss, misuse and alteration of information under our control. These security measures include the implementation of multiple layers of security that are aligned to industry standards.

      Do I need to sign up for electronic statements?

      No, by default you will receive both electronic and mailed paper statements. If you prefer not to receive mailed paper statements, please contact Client Support.

      To view your statements:

      1. In the Menu, select "Statements"
      2. In the "Accounts" drop-down list, select the account
      3. In the "Date" drop-down list, select the statement cycle
      4. In the "Document Type" drop-down list, select the file format
      5. Select "Get Statement"

      Can I see images of my checks on my statements?

      Paper statements include check images, but check images are not included on electronic statements.

      Where can I view my full account number?

      You can find your full account number on your statement, but account numbers are hidden for security purposes within the Online Banking system. 

      Mobile Banking

        How do I download the mobile app?

        The mobile app is available to download in both the Apple App Store and Google Play. 

        What devices are supported?

        You can use the Texas Capital Bank Mobile app with Android and iOS/Apple devices.

        How do I make a deposit using my mobile device?

        To set up your mobile device for check deposits, log into your mobile app and select “Mobile Deposit” from the menu. On the Remote Deposit Capture Enrollment screen, check the box to accept the Terms & Conditions and click or tap “Accept.” A new page will then display; select “Deposit Check” from the menu to launch your mobile deposit feature. Please note that you must log out and then log in again to view the “Deposit Check” button. 

        To make a deposit using your mobile device, click or tap “Transfers and Deposits” from the menu. From the list, click or tap “Deposit Check.” Select an account in which you want to deposit the check, enter the amount of the check and take a picture of the front and back of the check using your mobile device. Then, select “Continue” and “Submit” to process your request.

        How do I view an image of a mobile deposit?

        From the main menu, click or tap “Transfers and Deposits.” On the Online Activity Center page, click or tap “Check Mobile Deposit.” Within the Transfers and Deposits list, click or tap “Deposit Check.” On the next screen, you can tap or click any transaction to see more information about deposits and view check images.

        Debit Cards

          How long will it take to receive a debit card after I submit my request?

          The normal delivery timeframe is seven to 10 days after the application is processed.

          What do I do if my card has been lost or stolen?

          If you believe that your Visa debit card has been lost or stolen, please call Client Support at 1.877.839.2265.

          Does Texas Capital Bank offer liability protection if a card is stolen, and what is covered?

          Through Visa, clients are protected with zero liability on all unauthorized charges.

          How do I order a replacement card, and what is the cost to expedite it?

          To order a replacement card, please submit a request to your branch or contact Client Support by phone or by secure message through Online Banking. To expedite your request, there is a fee of $30 USD.

          Do I have to use a PIN with each purchase?

          Depending on the merchant, cards can be used as debit or credit; a PIN is only required for debit transactions.

          Which ATMs can I use?

          You can use your Texas Capital Bank-issued debit card at any ATM in the Pulse, Cirrus, Accel and Allpoint networks. To avoid a service fee, use any Texas Capital Bank or Allpoint Network ATM.

          What fees are charged at ATMs?

          You will not assess a fee when you use a Texas Capital Bank-issued debit card at one of Texas Capital Bank’s ATMs or at ATMs in the Allpoint Network.  However, you may be assessed a usage fee when using an ATM facility not owned by Texas Capital Bank, including (but not limited to) balance inquiries. For transactions in non-U.S. dollars, you could be charged a 1.5% fee for the conversion.

          Should I notify the bank if I am traveling out of the country with my card?

          Yes; please contact Client Support by phone (1.877.839.2265), in person at your branch or through secure message in Online Banking before you depart for international travel with your debit card. If necessary, Client Support can help add a travel rule to help prevent interruptions in banking service during your trip.

          Do you support Apple Pay or Google Pay?

          Texas Capital Bank-issued debit cards can be used with both Apple Pay and Google Pay.

          Treasury Services

            How do I log into BankNow® Treasury Services for the first time?*

            For companies that have products that send money outside of Texas Capital Bank (ACH transactions, wire transactions, bill payments or positive pay decisions) an RSA SecurID® token is required. Use the steps below to successfully sign on to BankNow® Treasury Services using your RSA SecurID® token.

            1. On the Texas Capital Bank website under “Account Login,” enter in your username and click or tap the arrow button.
            2. Enter your password and click or tap “Login.”
            3. You may be prompted to update your security questions. Once you have selected your questions and entered your answers, click or tap “Save.”
            4. Enter your PIN* plus your RSA SecurID token number. Then click or tap “Submit.”
            5. Set your new password and be sure to observe the requirements listed on the screen. Then, click “Submit.” 
            6. First-time users will be shown their information for review and confirmation. If any content is incorrect, please contact Treasury Support at treasurysupport@texascapitalbank. com to make corrections. If your information is correct, click “Next” to continue.

            * Use the steps below to set your PIN:

            1. Enter the six-digit number on your RSA SecurID token in the BankNow Passcode field. Then click or tap “Submit.”
            2. Enter your new PIN in the “New PIN” field. You may use four to eight alphanumeric characters.
            3. Confirm the PIN in the “Confirm New PIN” field. Then click or tap “Submit.”

            I'm locked out of BankNow® Treasury Services. How do I unlock my account?

            You can use the Forgot Password link, which will prompt you to answer your predetermined security questions. If you are still experiencing issues, please contact Treasury Support at 877.839.2801 or by emailing [email protected].

            What do my reports mean, and how do I create a new one?

            Visit the “Reporting” section in the Knowledge Center on BankNow® Treasury Services for more information on creating reports and how to use them. 

            How do I complete a wire transfer?

            You can request a domestic wire transfer and/or international wire transfer in BankNow® Treasury Services. Multi-wire capabilities are enabled for all wire customers except for primary system administrators, and a maximum of 60 multi-wire transactions can be created at one time. If you exceed your daily company limit, please email [email protected] to request a temporary limit increase. 

            For more information, view the “More Instructions” section of the Knowledge Center in BankNow® Treasury Services.

            Where can I find my wire status with IMAD number?

            Log into BankNow, select “Reports,” then “Wire Activity.” Choose the “Incoming” or “Outgoing” tab to view the status of the wire in question.

            Where can I find details of a wire I sent out?

            Log into BankNow, navigate to the “Activity Center” tab and use se the filter icon to search for the wire that you want to view. Click on “Transaction” to expand and view details.

            How do I request a temporary limit increase?

            To request a temporary limit increase, please email [email protected] with the following details:

            • User role(s) approving transaction
            • Type of Transaction (choose one):
              • ACH Batch
              • ACH Collection
              • Payroll
              • Wire Domestic
              • Wire International
            • Amount of the limit requested
            • Increase effective date
            • Increase expiration date
            • Reason for the increased temporary limit

            Please note: Treasury Support will call the account holder on record to authenticate the request.

            Where can I find details of an ACH I sent out?

            Log into BankNow, navigate to the “Activity Center tab” and use the filter icon to search for the ACH that you want to view. Click on “Transaction” to expand and view details.

            I received a suspicious email. How can I verify if it is fraudulent or not?

            Please send an email to [email protected] with details of the suspected fraud, and our Corporate Security team will reach out to you. 


            Personal Banking

              How can I open a new account?

              You can open an account by visiting texascapitalbank.com and navigating to the “Personal Banking” section.

              What do I need to provide to open an account?

              To open an account with Texas Capital Bank, all you need to provide is your name, contact information, social security number and U.S. government-issued ID. During the account opening process, you’ll need to answer a few questions to verify your identity and your employment status, as well as how you intend to utilize your account. Please have your mobile device available to help verify your identity as a part of the onboarding process.

              What are the acceptable types of identification required to open an account?

              Acceptable forms of identification are: 

              • U.S. government-issued driver’s license
              • U.S. government-issued state identification card
              • U.S. government-issued passport
              • U.S. government-issued resident alien card

              Will opening an account appear on my credit report?

              In certain instances we may need additional information prior to opening your account. An inquiry may appear on your credit report, but we do not do hard credit pull.

              Does Texas Capital Bank allow joint applicants on personal banking accounts?

              Yes, the ability to add a joint applicant is available during the application process. 

              To open a joint account with Texas Capital Bank, you will need to provide both applicants’ names, contact information, social security numbers and U.S. government-issued IDs. You will be prompted to answer a few questions to verify your identity. In addition, both applicants will need to have a mobile device available to help verify your identities as a part of the account opening process.

              Can you have more than two applicants on an account?

              As of this time, only two applicants are allowed on joint accounts. 

              How do I fund my account?

              You have several options to fund your account:

              • You can initiate a transfer from the Texas Capital Bank website or mobile app. This will process as an ACH that withdraws money from your account at another bank and deposits it into your Texas Capital Bank account.
              • You can initiate a Wire Transfer from your account at another bank with the following information:
                • Texas Capital Bank Routing Number:
                • Beneficiary: (Customer Name)
                • Beneficiary Account Number: (Customer’s Texas Capital Bank Account Number)
              • You can deposit a check using the Mobile Deposit feature of our mobile app. The check must be made payable to you and must be properly endorsed. Please see the Account Agreement, Terms & Disclosures for additional guidance on mobile deposits.
              • You can also make a deposit at your local banking center.

              How do I access my account?

              You can access your account by visiting texascapitalbank.com and logging into online banking or by downloading and using the Texas Capital Bank mobile app. 

              How do I order a debit card?

              You can order a debit card within online banking under the “Account Services” section. 

              How can I add beneficiaries?

              You can add beneficiaries by visiting a local banking center or reaching out to Client Support at 877.839.2265.

              How can I set up direct deposit?

              You can download a direct deposit enrollment form within online banking under the “Account Services” section. 


                What's an overdraft and what are overdraft fees?

                An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank pays the transaction anyway. You can overdraw your account through checks, ATM transactions, debit card purchases, automatic bill payments, and electronic or in-person withdrawals.

                Overdraft fees occur when you don't have enough money in your account to cover your transactions. The cost for overdraft fees varies by bank, but they could cost on average about $35 per transaction. These fees can add up quickly and can have ripple effects that are costly.

                If I overdraw my account, will I be charged?

                Texas Capital Bank will not charge you if an item is returned for insufficient funds. Instead, we have elected to implement a de minimis limit of $50 whereby we will not charge overdraft fees for transactions of any amount that overdraw an account by $50 or less. If, at our discretion, we authorize or pay an insufficient funds item and overdraw your account more than the $50 cushion, we will charge a fee of $15 per item up to 3 fees per day.

                In the event of an overdraft, how much time do I have to make a deposit to cover the negative balance?

                In the event, we honor an insufficient funds item, you must agree to pay the amount of the overdraft within one Business Day. You acknowledge and agree we may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts. 

                TIP: Deposits to your account may not be immediately available for your use. Always make sure you have sufficient available funds in your account. Even if you just made a deposit, you may still overdraw your account.

                What happens if I cannot make a deposit or transfer enough money to bring my account balance to a positive balance by the end of the business day?

                If your account balance remains overdrawn by more than $50 at the end of the business day, you may be charged overdraft fees on the previous business day’s transactions that overdrew your account.

                Can I withdraw cash at an ATM if I don’t have enough money in my account?

                No. If you don't have enough money in your checking account or savings account that's linked for Overdraft Protection, your ATM transaction will be declined. 

                Can I get an alert when my balance is low or overdrawn?

                Customers do have the option in the Mobile Banking App to create custom alerts. You would go to Settings then Alerts and complete the following:

                • Account Number
                • Account balance type 
                • Frequency
                • Amount (More Than, Less Than, Exactly)
                • Alert Delivery Method (Email, Voice, Text Msg, Secure Msg)

                If I suspect I may have an overdraft coming up, what is the cut-off time for making a deposit so it will post on that business day?

                For deposits to post on the current business day, they must be made prior to the following cut-off times:

                4:00pm - For deposits made at the ATM, however funds may not be immediately available
                5:00pm - For deposits made in person in a Banking Center
                8:30pm - For internal transfers