Texas Capital Bank Client Support will be closed for Memorial Day on Monday, May 30, 2022. We will be back to our normal 8:00 AM to 6:00 PM support hours on Tuesday, May 31, 2022.

We will be making updates to our website between 5:30 PM and 7:30 PM CST. During this time, the website may briefly be unavailable or may experience some issues.

Personal Checking & Savings

Explore our personal banking services to make managing your money easier.

Various choices for saving and handling your money.

With a variety of individual deposit accounts, we offer an array of options for saving and managing your money, backed by the services and expertise of our personal banking specialists. We also offer personal checking and savings solutions through BankDirect® and savings through Bask Bank, our internet-only bank divisions. We also make managing your accounts even easier with online banking and our mobile app. In addition, our Private Wealth Advisors are here to provide high-net-worth clients the comprehensive wealth management tools they need to manage and protect their wealth.

Checking Accounts 

Account Type Smart checking capital interest checking premier checking
Minimum opening $100 $100 $100
Account features
  • Unlimited transactions
  • Visa Debit Card upon request
  • Unlimited transactions
  • Visa Debit Card upon request
  • Rebate non-Texas Capital Bank ATM fees (unlimited)
  • Free personalized checks (standard style, one box per order); other styles available at a discount
  • Unlimited transactions
  • Unlimited check writing
  • No fees on cashier’s checks
  • Visa Debit Card upon request
Interest
  • None
  • Interest compounded daily on collected balance and paid monthly
  • Minimum daily ledger balance of $500 to earn interest
  • Interest compounded daily on collected balance and paid monthly

Service Fees 

Fees may reduce earnings on the account

  • No monthly service charge
  • Monthly service charge $12
  • Minimum daily ledger balance of $1,500 to avoid monthly service charge; or 
  • Minimum monthly average balance of $2,500 to avoid monthly service charge
  • Monthly service charge $25
  • Minimum daily ledger balance of $25,000 in combined balances in Premier Relationship accounts to avoid monthly service charge

 

 Money Market Accounts

account type money market premier money market
Minimum Opening $100 $100
Account Features
  • Unlimited Transactions
  • Visa Debit Card upon request
  • Premium interest rates
  • Unlimited transactions 
  • Visa Debit Card upon request
  • Premier Money Market Account and Premier Certificate of Deposit only available when linked in Premier Checking
Interest
  • Interest compounded daily on collected balance and paid monthly
  • Minimum daily ledger balance of $500 to earn interest
  • Interest compounded daily on collected balance and paid monthly
  • Minimum daily ledger balance of $500

Service Fees 

Fees may reduce earnings on the account

  • Monthly service charge $12
  • Minimum daily ledger balance of $2,500 to avoid monthly service charge
  • Monthly service charge $25
  • No monthly service charge when linked to Premier Checking

 

Savings Accounts 

account type savings - minor consumer savings
Minimum Opening $25 $100
Account Features
  • Unlimited Transactions
  • Parent or guardian must be a joint owner on the account
  • Visa Debit Card upon request
  • Unlimited transactions
  • Visa Debit Card upon request
Interest
  • Interest compounded daily on collected balance and paid quarterly
  • Interest compounded daily on collected balance and paid quarterly

Service Fees 

Fees may reduce earnings on the account

  • No monthly service charge
  • Monthly service charge $5
  • Minimum daily ledger balance of $500 to avoid monthly service charge

 

Certificate of Deposits 

account type certificate of deposit premier certificate of deposit
Minimum Opening $1,000 $1,000
Account Features
  • Fixed rates
  • Penalty for early withdrawal
  • Premium interest rates
  • Fixed rates
  • Penalty for early withdrawal 
  • Premier Money Market Account and Premier Certificate of Deposit only available when linked in Premier Checking
Interest
  • Interest calculated and accrued daily based on the daily balance in the account
  • Interest calculated and accrued daily based on the daily balance in the account

Service Fees 

Fees may reduce earnings on the account

  • No service charge
  • No service charge

Note: For additional information, please ask your banker for a Fee Schedule and Terms & Conditions. All services are subject to applicable laws, regulations and service terms.

For additional information please see our Disclosures.

Read about our Private Wealth StarPoint Collection products.
Review our Fee Schedule.
Learn more about our Bask Bank and BankDirect® personal savings, checking and CD products.

Effective 01/26/2022

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