STARPOINT CONSUMER BANKING SERVICES AND FEES
For more information on the financial products and services listed below that Texas Capital Bank can offer your employees, please call 877.TEX.BANK (877.839.2265) or visit the Texas Capital Bank location nearest you.
DIRECT DEPOSIT
We accept pre-authorized payroll direct deposits to your checking or savings accounts. If you have arranged to have direct deposits made to your accounts at least once every 60 days from the same person or company, you can call us at 877.TEX.BANK (877.839.2265) to find out whether the deposit has been made to your account.
Fees: None
ATM/DEBIT CARD
You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs within the networks identified on your card. You may use your card to:
- Withdraw cash from your checking or savings account
- Transfer funds between your checking and savings accounts
- Get balance information on your deposit accounts
- You may withdraw up to $500 (if there are sufficient funds in your account) per day
Fees and Charges: ATM owners may impose their own fees. There is no fee for a replacement card.
Some of these services may not be available at all terminals.
PERSONALIZED CHECKS
Personalized checks are provided free of charge. Designer checks may be ordered at an additional cost.
MONTHLY STATEMENTS
You get a monthly account statement from us, unless there are no transactions in a particular month. You will receive a quarterly statement on a savings account.
Fees: None
STOP PAYMENTS
Texas Capital Bank will make every attempt to honor your request; however, stop payments are not guaranteed. If the item was transmitted electronically, or Texas Capital Bank has already accepted the check for processing, we will not be able to stop the item. Stop payments will remain in effect for six months.
Fees: None
ELECTRONIC PAYMENTS
You may arrange for us to complete pre-authorized recurring bill pays from your checking or savings account.
Fees: None
CAPITAL TELEBANKING
Your accounts are always accessible with Capital TeleBank!
- Review account balances
- Set up transfers between accounts
- Retrieve your account history
- Retrieve account statements
- Change your ATM or CheckCard Personal Identification Number (PIN)
- Private easy and convenient banking from your touch-tone phone
To access 24 hour customer service: Dial Capital TeleBank toll-free @ 877.839.2265, option 2
Fees: None
MAINTENANCE FEE
A monthly maintenance fee of $35 may be applied to your StarPoint checking account if your average monthly collected balance falls below $25,000.
|
Other Services & Fees
|
Consumer |
Commercial |
| Insufficient Funds (NSF) Fee |
$45 per item |
$45 per item |
| Uncollected Funds (UCF) Fee |
$45 per item |
$45 per item |
| Deposited Item Chargeback |
$12 per item |
$12 per item |
| Deposited Item Chargeback Notice |
$7 per notice |
$7 per notice |
| Collection Items – Outgoing |
$20 + cost/item |
$20 + cost/item |
| Collection Items – Incoming |
$20 + cost/item |
$20 + cost/item |
| Administration Fee – Garnishments and Tax Levies |
$50 per occurrence |
$50 per occurrence |
Courier Plastic Deposit Bags
Bag Size 9'' X 12''
Bag Size 10'' X 14'' |
$0.25 per bag
$0.30 per bag |
$0.25 per bag
$0.30 per bag |
| Temporary Checks |
Free |
Free |
| Bond Coupon Redemption |
$10 per issue |
$10 per issue |
| Statement Hold for Pickup |
Free |
Free |
| Account History |
Free per request (Instant Statement) |
Free per request (Instant Statement) |
| Special Statement |
$5 per cycle |
$5 per cycle |
| Check Copies |
Free |
Two free with statement then $3 per item |
| Stop Payment Order |
Free |
$15 |
Duplicate Statement
|
Free |
$5 |
| Account Research |
$25 per hour (1 hour minimum) |
$25 per hour (1 hour minimum)
|
| Cashier's Check |
Free |
Free |
Wire Transfers
(International) |
Free for all incoming;
$40 outgoing
(plus receiving bank charges)
|
Free for all incoming;
$40 outgoing
(plus receiving bank charges)
|
Wire Transfers
(Domestic) |
$12 outgoing
(plus receiving bank charges)
|
$12 outgoing
(plus receiving bank charges)
|
A monthly maintenance fee of $35 may be applied to your StarPoint checking account if your average monthly collected balance falls below $25,000.