Texas Capital Bank Client Support will be closed for Presidents' Day on Monday, February 20, 2023. We will be back to our normal 8:00 AM to 6:00 PM support hours on Tuesday, February 21, 2023.

We will be making updates to our website from 8:00 p.m. CST on 03/22 to 12:00 a.m. CST on 03/23. During this time, the website may experience some interruptions of functionality or be unavailable.

Services and Fees

We’re transparent about fees for our banking services, because helping you reach your financial goals is our goal, too.

Primary Services

    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.

    Debit Cards

    Debit cards can be linked to a maximum of two deposit accounts, either checking, savings or money market (or any combination of the three). You can use your debit card at Point of Sale (POS) terminals for purchases, or at automated teller machines (ATMs).

    You may use the debit 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, savings or money market account
    • Transfer funds between your checking, savings or money market account
    • Get balance information on your deposit accounts

    You may make unlimited cash withdrawals from ATMs up to $1,000 (if there are sufficient funds in your account) per day.

    ATM owners may impose their own fees. There are additional fees to expedite a replacement card.

    Some of these services may not be available at all terminals.

    Personalized Checks

    Personalized check prices vary according to your selected design and check style.

    All our customers receive free check books. Designer checks can 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. If you only maintain a savings account with us, you will receive a quarterly statement. There are no fees to receive monthly statements.

    Stop Payments

    Stop payments are not guaranteed. However, Texas Capital Bank will make every attempt to honor your request. 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. Upon receipt of your written confirmation, a Stop Payment Order remains in effect for 6 (six) months, unless renewed in writing.

    There is no stop payment fee for Premier account holders. A stop payment fee of $30 per request will be charged to non-Premier account holders.

    Electronic Payments

    You may arrange for us to complete pre-authorized recurring bill pays from your checking or savings account. There are no fees for pre-authorized recurring bill pays.

    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)
    • Enjoy 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. There are no fees associated with Capital TeleBanking.

    Learn more about our Private Wealth StarPoint Collection products.

    Personal Banking Fee Schedule

      Transactional Fees

      All fees listed may be assessed on a per item basis.


      Capital Interest Checking,

      Money Market, 

      Personal Savings

      Premier Checking,

      Premier Money Market 

      Paid Overdraft Fee2 $15 $15
      Return NSF Item Fee $0 $0
      Stop Payment $30 $0
      Inbound Wire $0 $0
      International Outbound Wires (Online/Manual) $35/$75 $35/$75
      Domestic Outbound Wires (Online/Manual) $35/$60 $35/$60
      Deposited Item Chargeback $12 $12
      Re-clear Returned Deposit Item $7 $7
      Collection Items — Incoming/Outgoing $0 $0


      Service Requests

      All fees listed may be assessed on a per item basis.


      Capital Interest Checking,

      Money Market, 

      Personal Savings

      Premier Checking, 

      Premier Money Market

      Replacement Debit Card $0 $0
      Rushed Debit Card Request $30 $30
      Debit Card Mailed to Alternate Address $0 $0
      Personal Checks $0 $0
      Cashier’s Checks $0 $0
      Temporary Checks $0 $0
      Check Copies $3 $3
      Account Research $25/hr $25/hr
      Duplicate Statement $0 $0
      Special Statement $0 $0
      Statement Copies $5 $5
      Statement Hold for Pickup $0 $0
      Account History (Instant Statement) $3 $3
      Bond Coupon Redemption $0 $0
      Admin Fee — Garnishments and Tax Levies $0 $0
      Account Closure — Within 90 Days of Opening $0 $0
      Safe Deposit Box 3x103 $50 $50
      Safe Deposit Box 5x103 $75 $75
      Safe Deposit Box 10x103 $125 $125
      Safe Deposit Box Drilling Fee Per Service Contract Per Service Contract
      Late Payment (Over 90 Days) $10 $10
      Additional Safe Deposit Box Keys $25 $25
      Save Deposit Box Key Deposit (Refundable) $25 $25


      Need more help?

      Talk to one of our experts to learn more about our fee schedule. 

      Contact Us

      1Some transactional fees may not be debited until the business day following the original transaction attempt.

      2No Overdraft fee will be assessed in connection with a transaction under the $50 overdraft cushion. Maximum of three (3) overdraft fees per day.

      3Safe deposit box not available at all branch banking locations.