Texas Capital Bank Client Support will be closed for Juneteenth National Independence Day on Wednesday, June 19, 2024. We will be back to our normal 8:00 AM to 6:00 PM support hours on Thursday, June 20, 2024.

An enhancement has been scheduled for account opening and online banking on Sunday, July 21st, starting at 12:00 AM to approximately 10:00 AM CT. During this time, account opening and online banking may not be available or may have reduced functionality.

Small Business Banking

Our retail banking team proudly serves public and privately held companies with annual revenue of $5 million or less. We know that small businesses are the heart of local communities, which is why we provide high-touch, personalized service you can’t find anywhere else in Texas.

Contact Our Experts

Small Business Banking

Our retail banking team proudly serves public and privately held companies with annual revenue of $5 million or less. We know that small businesses are the heart of local communities, which is why we provide high-touch, personalized service you can’t find anywhere else in Texas.

Contact Our Experts
Small Business partners at a restaurant working

Small Business
Banking

Our retail banking team proudly serves public and privately held companies with annual revenue of $5 million or less. We know that small businesses are the heart of local communities, which is why we provide high-touch, personalized service you can’t find anywhere else in Texas.

Contact Our Experts

Small Business Toolkit

Download professionally curated readiness tools, tips and resources to help small business owners navigate and thrive in today's competitive business climate.

  • Acts as a customizable, digital guide for the modern entrepreneur
  • Includes an interactive Business Plan template designed to evolve with you
  • Contains a helpful checklist with information on requirements, permits and licenses
Download Now

Texans supporting Texans

Ben Collins and Pater Nasr, co-founders of The Periti Group, sought to build a collaborative banking relationship that aligned with their values of quality, trust, and integrity. Read more about how Texas Capital’s proactive communication and open availability has been a "game changer" for these small business owners.

Read More

Start, grow and manage your small business with guided skills courses.

We are proud to offer financial education courses, which can be accessed on-demand at your convenience. These short, interactive modules provide tips and advice to help your business become more financially sound and better prepared for the future. 

Start Learning

Take advantage of our
Small Business offer

At Texas Capital Bank, we understand the grit it takes to be an entrepreneur, which is why our team is dedicated to supporting your business every step of the way. Open a Select Business Checking or Elite Business Checking account and earn a welcome bonus up to $700. 

Read Terms

Small Business Spotlight

Steve Orr

Steve Orr is the Executive Vice President and Chief Investment Officer for Texas Capital Bank Private Wealth Advisors. Steve has earned the right to use the Chartered Financial Analyst and Chartered Market Technician designations. He holds a Bachelor of Arts in Economics from The University of Texas at Austin, a Master of Business Administration in Finance from Texas State University, and a Juris Doctor in Securities from St. Mary’s University School of Law. Follow him on Twitter here

The contents of this article are subject to the terms and conditions available here.

Action link

Supporting Small Businesses That Think Big

Whether you are just starting your business or growing it, you’ll find solutions that best fit your banking needs with Texas Capital.

    Explore our Business Checking Account benefits.

    As a secure and convenient way to manage and access funds, our Business Checking options help keep your cash in hand for quick use. 

    Unlimited Transactions

    Enjoy unlimited debit card transactions and ATM withdrawals. 

    No Minimum Deposit

    Enough hurdles. With no minimum deposit, you'll get started on what matters to you most without delay.

    FDIC Protection

    You can rest assured knowing that your money is covered by FDIC insurance up to $250,000 per depositor for each account ownership category.

    Features and Benefits

    Features and Benefits

    Select Business Checking

    A simple account with all the basics.

    Elite Business Checking

    A checking account designed for businesses with greater balances and transaction volumes.

    Minimum Opening

    Annual Percentage Yield (APY)

    0%

    0.25%

    Service Charge

    $12

    $12

    Service charge waive criteria

    Average collected balance of $1,500

    Daily ledger balance is $1,500 or monthly average ledger balance is $2,500+

    Unlimited Transactions

    Unlimited ATM Withdrawal Limits

    FDIC Insurance Protection

    Build for tomorrow with Edge Business Savings.

    Our Edge Business Savings account is a safe place for emergency funds as you get ready for your next big investment.

    Flexibility

    Enjoy unlimited transfers to and from any Texas Capital Bank account. 

    Earns Interest

    Earn 1.00% Annual Percentage Yield (APY) with our Edge Business Savings Account.

    Waive Criteria

    Average collected balances of $1500 and above allow you to waive our $5 service charge. 

    FDIC Protection

    You can rest assured knowing that your money is covered by FDIC insurance up to $250,000 per depositor for each account ownership category.

    Grow with a Business Money Market account.

    With a Business Money Market account, you’ll enjoy a greater return with higher interest rates than traditional savings while preserving your access to withdraw funds when you need. 

    Competitive Rates

    Earn 2.02%- 2.94% Annual Percentage Yield (APY) with our money market account balance tiers.

    Waive Criteria

    Daily ledger balances of $2500 and above allow you to waive our $12 service charge.

    FDIC Protection

    You can rest assured knowing that your money is covered by FDIC insurance up to $250,000 per depositor for each account ownership category.

    Balance Tiers

    Balance Tiers

    Interest Rate

    Annual Percentage Yield (APY)

    $500 - $249,999.99

    2.00%

    2.02%

    $250,000 - $749,999.99

    2.15%

    2.17%

    $750,000 - $999,999.99

    2.75%

    2.79%

    $1,000,000 or more

    2.90%

    2.94%

    Enjoy the benefits our Business Credit Card options provide.

    Our Credit Card offerings provide a single use card to manage business expenses for purchase, travel and entertainment to meet your Small Business needs.

    Earn Rewards

    Earn reward points towards travel, merchandise or cash back for all your Small Business needs.

    Simplify Expenses

    This single-card program can be used for all business expenses.1

    Receipt Capture

    Use the mobile capture feature to streamline reporting and document receipts from anywhere.

    1Restrictions may apply, see credit card provider terms and conditions.

    Explore your potential with Merchant Services.

    Our merchant offerings provide a wide range of solutions for payments, point of sale (POS), payroll, and more. Fees may apply.

    Payments+

    Backed by a suite of flexible financial service technologies, this scalable credit card payment system is designed to support your growth.

    Payroll

    This cloud-based, comprehensive payroll and HR solution frees you from the back-office grind.

    Point of Sale (POS)

    Enjoy a POS system that's smart enough to help you increase revenue and foot traffic, while flexible enough to scale with your business.

    Customer Engagement

    Enhance your customers' experience and keep them coming back with real-time insights from a partner you can trust.

    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam placerat nisl ut velit semper sagittis. Donec quis sagittis dolor. Pellentesque dignissim nulla vitae arcu eleifend, sit amet blandit enim egestas. Pellentesque at eros elit. Integer gravida imperdiet aliquet. Nam tellus arcu, sagittis in erat a, volutpat vehicula quam. Quisque facilisis bibendum tellus sed pellentesque. Aenean suscipit elementum dolor eu egestas. Aliquam porta ornare odio sed elementum. Phasellus luctus venenatis massa at porttitor.

    Meet Ram Rangel

    Meet Ram Rangel, Financial Center Manager in Austin. Hear more about why we are becoming the flagship financial services firm in the state of Texas and how we partner with our clients to set them up for future success.

    Small Business Resources

    Texas Star on ceiling
    State of the Texas Economy

    Learn what Texas companies are saying about 2023.

    Learn More
    Two small business employees looking at warehouse inventory for their small business
    Small Business Administration Loans

    What Every Small Business Owner Needs to Know.

    Learn More
    Woman leading a business meeting
    Small Business Switch Kit

    Follow this step-by-step guide to opening and enjoying your new small business account with Texas Capital Bank.

    Learn More

    Annual Percentage Yield (APY) is accurate as of Friday, July 19, 2024. APY is variable and subject to change at any time without notice. 

    Annual Percentage Yield (APY) is accurate as of Friday, July 19, 2024. APY is variable and subject to change at any time without notice. 

    To qualify for the Welcome Bonus you must: (1) open a new Select Business Checking Account or Elite Business Checking Account within the offer period of May 1, 2023, through and including Aug 1, 2023; (2) fund the checking account with $1,500 within 30 days from the day the account was opened, (3) complete 10 posted Debit Card and/or ACH transactions per month during the Maintenance Period, (4) maintain a small business relationship average monthly balance of $10,000 or more during the Maintenance Period. 

    Eligible individuals will automatically receive their qualifying Welcome Bonus in their new Select Business Checking Account or Elite Business Checking Account approximately eight (8) weeks after completing all qualifying activities. Clients (Primary or Secondary) who have a current or past Texas Capital Bank deposit account within the prior six (6) months from account opening date are not eligible for this offer. To be eligible for the offer, your account must be open and in good standing at the time of fulfillment. Limit one Welcome Bonus per small business relationship, including all individual and joint accounts. 

    The Welcome Bonus on your Texas Capital Bank eligible checking account will be reported on the applicable IRS form. Texas Capital Bank employees are not eligible for this offer. Texas Capital Bank reserves the right to exclude anyone from participating in the promotion for any reason, including suspected fraud, misuse or if suspicious activities are observed. All promotional offers, products and services offered by Texas Capital Bank are subject to updates, modifications and/or termination by Texas Capital Bank.