Texas Capital Bank

National Bank, texascapitalbank.com

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About the Bank

Texas Capital Bank specializes in commercial banking and private wealth management in the Lone Star State. Headquartered in Dallas, the bank also has locations in Austin, Fort Worth, San Antonio and Houston.


Here, you'll find both personal and business banking solutions specifically geared towards entrepreneurs and business owners. Texas Capital Bank works businesses in a number of different industries, including healthcare, technology, finance, energy, commercial real estate, service providers, homebuilders and franchisees.


For personal banking, Texas Capital focuses on providing value, convenience and service through products that are designed to help you meet a variety of financial goals. If you need a checking account, for example, you can open a Smart Checking, Capital Checking or Capital Interest Checking account with as little as $100. Smart Checking features unlimited transactions with no monthly maintenance fee. Capital Checking has a low monthly maintenance fee and offers up to four non-Texas Capital Bank ATM fee refunds each month. The Capital Interest Checking account gives you the advantage of earning interest on minimum balances of $500 or more, with a monthly fee that can be avoided when you meet the daily minimum balance requirement.


A Consumer Savings account and a Money Market account are also available, again with a $100 opening deposit. Both accounts offer a Visa CheckCard for convenient withdrawals or purchases and both earn interest. The Money Market account allows you to make six pre-authorized withdrawals per month, while the Consumer Savings account limits you to six per quarter. Between the two, the Money Market account has the higher monthly maintenance fee.


Personal CDs, Individual Retirement Accounts and Money Market IRAs are also on the list of savings options. The minimum deposit for CDs and IRAs is $1,000; it's $100 for the Money Market IRA. None of these accounts carry a monthly service fee but there is a penalty fee for early withdrawals from a CD account or an IRA.


Texas Capital offers a comprehensive line of business banking products, including:



  • Term loans and lines of credit

  • Equipment financing and leasing

  • Small Business Administration loans

  • Payables and receivables management

  • Commercial checking accounts

  • Fraud protection

  • Investment services


On the private wealth management side, Texas Capital Bank can help with things like wealth strategy and financial planning, private banking, estate planning and insurance, trust administration and home financing. That's appealing if you're a business owner or entrepreneur and you'd like to have all of your business, personal and wealth management needs met under one roof.


If you have a personal checking account or savings account, you can enroll in online and mobile banking with Texas Capital free of charge. Once you log in you can pay bills, set up customized alerts and notifications, deposit checks with your phone or tablet, view your statements and transaction history, schedule wire transfers, move money between your Texas Capital accounts, order checks and request stop payments if necessary. If you need to do something that's not on that list, you can visit your nearest branch or ask a Texas Capital customer service rep for help by phone Monday through Friday.

Texas Capital Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $38 $30
  • Stop Payment item $30 $27
  • Return Deposit N/A $13
  • Domestic Wire Transfer (Outbound) $2.50 $22
  • Domestic Wire Transfer (Inbound) $20 $10
  • Non-Bank ATM $0 $1

Locations & Hours

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