Texas Capital Bank Client Support will be closed for Labor Day on Tuesday, September 4, 2023. We will be back to our normal 8:00 AM to 6:00 PM support hours on Wednesday, September 5, 2023.

We will be making updates to our website from 9:00 p.m. CST to 11:00 p.m. CST on 08/24. 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 877.839.2265 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.

    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 at 877.839.2265, option 2. There are no fees associated with Capital TeleBanking.

    Personal Banking Fee Schedule

      Transactional Fees

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


      TRANsACTIONAL FEES1

      STAR PLUS CHECKING

      STAR HIGH-YIELD SAVINGS

      STAR SAVINGS

      STAR CHECKING

      SHOOTING STAR SAVINGS

      STAR MONEY MARKET

      Service Charge2 $0 $12 $0
      Paid Overdraft Fee3 $15 $15 $15
      Return NSF Item Fee $0 $0 $0
      Stop Payment $30 $35 $0
      Inbound Wire $0 $0 $0
      International Outbound Wires (Online/Manual) $12/$45 $12/$45 $12/$45
      Domestic Outbound Wires (Online/Manual) $12/$35 $12/$35 $12/$35
      Deposited Item Chargeback $12 $12 $12
      Re-clear Returned Deposit Item $7 $7 $7
      Collection Items — Incoming/Outgoing $0 $0 $0

       

      Service Requests

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


      SERVICE REQUESTS

      STAR PLUS CHECKING

      STAR HIGH-YIELD SAVINGS

      STAR SAVINGS

      STAR CHECKING

      SHOOTING STAR SAVINGS

      STAR MONEY MARKET

      Replacement Debit Card $0 $0 $0
      Rushed Debit Card Request $30 $30 $30
      Debit Card Mailed to Alternate Address $0 $0 $0
      Personal Checks $0 $12 $0
      Cashier’s Checks $0 $0 $0
      Temporary Checks $0 $0 $0
      Check Copies $3 $3 $3
      Account Research $25/hr $25/hr $25/hr
      Duplicate Statement $0 $0 $0
      Special Statement $0 $0 $0
      Statement Copies $5 $5 $5
      Statement Hold for Pickup $0 $0 $0
      Account History (Instant Statement) $3 $3 $3
      Bond Coupon Redemption $0 $0 $0
      Admin Fee — Garnishments and Tax Levies $0 $0 $0
      Account Closure — Within 90 Days of Opening $0 $0 $0
      Safe Deposit Box 3x104 $50 $50 $50
      Safe Deposit Box 5x104 $75 $75 $75
      Safe Deposit Box 10x104 $125 $125 $125
      Safe Deposit Box Drilling Fee Per Service Contract Per Service Contract Per Service Contract
      Safe Deposit Box (Over 90 Days) $10 $10 $10
      Additional Safe Deposit Box Keys $25 $25 $25
      Save Deposit Box Key Deposit (Refundable) $25 $25 $25

       

      Previously Offered Products

      Click to expand more information about fees and features associated with account types previously offered and no longer available to open by Texas Capital Bank as of May 3, 2023:

        Previously Offered Products

        • Capital Interest Checking
        • Premier Checking
        • Money Market 
        • Premier Money Market
        • Consumer Savings
        • Consumer Savings- Minor
        • Certificates of Deposit
        • Premier Certificates of Deposit

        Transactional Fees

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


        TRANsACTIONAL FEES1

        CAPITAL INTEREST CHECKING,

        MONEY MARKET, 

        PERSONAL SAVINGS

        PREMIER CHECKING,

        PREMIER MONEY MARKET 

        Paid Overdraft Fee3 $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.


        SERVICE REQUESTS

        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 3x104 $50 $50
        Safe Deposit Box 5x104 $75 $75
        Safe Deposit Box 10x104 $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

         

        Features

        Features

        capital interest checking

        Premier checking

        Monthly service charge $0 $0/$25
        Fully digital account opening Yes Yes
        Debit card with high transaction limit Yes Yes
        Zelle® Yes Yes
        Access to over 55,000 ATMs at no charge Yes Yes
        Free personal checks Yes Yes
        No fees on everyday banking transactions No Yes
        No stop payment fees No Yes
        Out of network ATM rebates 4 per month Unlimited
        Premium interest rates No Yes

        Features

        Money Market

        Premier Money Market

        Monthly service charge $0 $0/$251
        Minimum opening $100 $100
        Minimum daily ledger balance to earn interest $500 $500
        Interest credited monthly Yes Yes
        Interest compounded daily Yes Yes
        Visa® Debit Card upon request Yes Yes
        Unlimited transactions Yes Yes
        FDIC Insurance protection Yes Yes
        Requires Premier Checking No Yes
        Out-of Network ATM fee rebates per month 4 Unlimited

        Features

        CONSUMER Savings

        Savings- Minor

        Monthly service charge $0 $0
        Minimum opening $100 $25
        Earns interest Yes Yes
        Interest credited quarterly Yes Yes
        Interest compounded daily Yes Yes
        Visa®Debit Card upon request Yes Yes
        Online and mobile banking with account alerts Yes Yes
        FDIC Insurance protection Yes Yes

        Features

        Certificates of Deposit

        Premier Certificates of Deposit

        Minimum opening balance $1,000 $1,000
        Fixed rates Yes Yes
        Premium interest rates No Yes

        Personal Banking Fee Schedule

          Transactional Fees

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


          TRANsACTIONAL FEES1

          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.


          SERVICE REQUESTS

          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.

          2Service charges may be assessed when minimum balance requirements are not met. See product brochure for details.

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

          4Safe deposit box not available at all branch banking locations.