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.
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.
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.
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
Ready to take your business to the next level?
Earn up to $600 when you open and use a new Elite Business Checking account and complete qualifying activities. Our account is designed to meet the unique needs of your growing business. Plus, enjoy benefits including no minimum deposit, unlimited transactions and unlimited ATM withdrawals.
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.
Small Business Spotlight
Steve Orr
Steve Orr is the Executive Vice President and Chief Investment Officer for *insert title. 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.
Supporting Small Businesses That Think Big
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
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.
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.
Grow your Small Business with customized lending solutions.
Managing funds while growing your business is one of your most important financial challenges. Texas Capital Bank provides expert financial advice paired with unique business loan solutions to help you reach your goals.
Dedicated Small Business Experts
Local, dedicated small business experts to support you throughout the life of your business.
Variety of Financing Options
A range of financing options including a term loan or line of credit.
Secure Money Management
Safe and secure money management with online and in-person banking options.
Term Loan
One-time lump sum of funding<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Loan amounts up to $250,000
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Repayment terms up to 60 months
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Great for large or one-time investments in your business
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Line of Credit
Revolving, preset borrowing limit that can be used, repaid and used again
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Credit limits up to $250,000
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Flexible repayment terms, up to 12 months
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Great for managing working capital
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Loan amounts greater than $250,000 are available through Texas Capital’s Business Banking Group.
All credit applications are subject to standard credit approval and policy guidelines. These loans are not backed by the Small Business Administration (SBA).
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.
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.
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.
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]()
![Two small business employees looking at warehouse inventory for their small business]()
![Woman leading a business meeting]()
Annual Percentage Yield (APY) is accurate as of Friday, November 22, 2024. APY is variable and subject to change at any time without notice.
Annual Percentage Yield (APY) is accurate as of Friday, November 22, 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.