Texas Capital Bank Client Support will be closed for Presidents Day on Monday, February 19, 2024. We will be back to our normal 8:00 AM to 6:00 PM support hours on Tuesday, February 20, 2024.

An enhancement has been scheduled for account opening on Tuesday, February 6, starting at 8:00 PM CT to approximately 11:00 PM CT. During this time, account opening may not be available or may have reduced functionality.

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 Fee2$0$12$0
      Paid Overdraft Fee3$15$15$15
      Return NSF Item Fee$0$0$0
      Stop Payment Order$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$0$0$0
      Re-clear Returned Deposit Item$0$0$0
      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 Checks4n/aVariesn/a
      Cashier’s Checks$0$0$0
      Temporary Checks$0$0$0
      Check Copies$3$3$3
      Account Research5$25/hr$25/hr$25/hr
      Duplicate Statement$0$0$0
      Special Statement$0$0$0
      Statement Copies$5/per statement$5/per statement$5/per statement
      Statement Held 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 3x106$50$50$50
      Safe Deposit Box 5x106$75$75$75
      Safe Deposit Box 10x106$125$125$125
      Safe Deposit Box Drilling FeePer Service ContractPer Service ContractPer 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/box

       

      Small Business Banking Fee Schedule

        Transactional Fees

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


        TRANSACTION FEES7

        SELECT BUSINESS CHECKING

        ELITE BUSINESS CHECKING

        BUSINESS MONEY MARKET

        EDGE BUSINESS SAVINGS
        Service Charge8$12$5
        Paid Overdraft Fee9$35$35
        Return NSF Item Fee$0$0
        Deposit Item Chargeback$0$0
        Re-clear Returned Deposit Item$0$0
        Stop Payment Order$32$32
        International Outbound Wires (Online/Manual)$35/$75$35/$75
        Domestic Outbound Wires (Online/Manual)$35/$60$35/$60
        Collection Items — Incoming/Outgoing$25$25

         

        Service Requests

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


        SERVICE REQUESTS

        SELECT BUSINESS CHECKING

        ELITE BUSINESS CHECKING

        BUSINESS MONEY MARKET

        EDGE BUSINESS SAVINGS

        Account Closure Within 90 Days of Opening$15.00/account
        Account Research/Reconciliation10$25.00/hr
        Item Photocopy Two free with image statement$5.00/copy
        Cash Shipment Special Order$75.00/order
        Cashier’s Checks$10.00/check
        Temporary Checks$3.00/per 10 checks
        Deposit Bags Locking$6.00/each
        Duplicate Statement$10.00/statement
        Snapshot Statement$3.00/statement
        Statement Copies$5.00/statement
        Statement Held for Pickup$5.00/statement
        Safe Deposit Box 3x1011$50/year
        Safe Deposit Box 5x1011$75/year
        Safe Deposit Box 10x1011$125/year
        Safe Deposit Box Drilling FeePer Service Contract
        Safe Deposit Box (Over 90 Days)$10
        Additional Safe Deposit Box Keys$25
        Save Deposit Box Key Deposit (Refundable)$25/box

         

        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

            1For personal banking services- Some transactional fees may not be debited until the business day following the original transaction attempt.

            2For personal banking services- Service charges may be assessed when minimum balance requirements are not met. See product brochure for details

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

            4For personal banking services- The first standard checks will be waived for all personal checking products. Personalized and designer checks may be ordered at an additional cost. Prices may vary

            5For personal banking services- Account Research hourly fee assessed on requests for every 10 transactions that occurred greater than two (2) years and less than seven (7) years prior to the request.

            6For personal banking services- Safe deposit box not available at all branch banking locations.

            7For small business services- Some transactional fees may not be debited until the business day following the original transaction attempt.

            8For small business services- Balance requirements to avoid a service charge. See Product Brochure for details.

            9For small business services- No overdraft fee will be assessed in connection with a transaction under the $50 overdraft cushion. Maximum of five (5) overdraft fees per day.

            10For small business services- Account Research hourly fee assessed on requests for every 10 transactions that occurred greater than two (2) years and less than seven (7) years prior to the request.

            11For small business services- Safe deposit box not available at all branch banking locations. Cost not prorated.