Texas Capital Bank Client Support will be closed for Memorial Day on Monday, May 29, 2023. We will be back to our normal 8:00 AM to 6:00 PM support hours on Tuesday, May 30, 2023.

We will be making updates to our website from 9:00 p.m. CST to 11:00 p.m. CST on 05/24. During this time, the website may experience some interruptions of functionality or be unavailable.

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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

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. 

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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

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.

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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 Bank.

    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.

    Build for tomorrow with our Edge Business Savings account.

    Our Edge Business Savings account functions as a safe place to store funds for an emergency or for your next big step by earning interest on what you’ve put away.

     

    • $5 Service Fee
    • $100 minimum opening
    • Earns 1.00% interest
    • Waive criteria- average collected balance of $1500
    • Unlimited transactions to and from any Texas Capital Bank account
    • FDIC Insurance protection

    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%

    Grow your business 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. 

     

    • $12 Service Fee
    • $100 minimum opening
    • Earn 2.00%-2.94% APY
    • Waive criteria- daily ledger balance of $2500+
    • FDIC Insurance protection

    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.

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    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.

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    Annual Percentage Yield (APY) is accurate as of Tuesday, June 06, 2023. APY is variable and subject to change at any time without notice.