About Texas Capital Bank
Texas Capital Bank was founded in December 1998. The bank operates five branches in Austin, Dallas, Fort Worth, Houston, and San Antonio, as well as an executive office in New York.
Featured Offers
Texas Capital Bank Overview
Texas Capital Bank offers a variety of bank products, such as CDs, checking, money market, and savings accounts. Although it only operates a handful of branches in Texas, it does offer its customers ATM access via Allpoint's network of more than 55,000 ATMs nationwide. It offers competitive APYs across the board for all of its different account types.
| Competitive APYs on many of its banking products. | Low APYs on its checking accounts. |
| Access to more than 55,000 ATMs through the Allpoint network. | High overdraft/Stop payment fees. |
| No minimum opening deposit on many of its accounts. | Some monthly service charges cannot be waived. |
| No monthly service charges on some of its accounts. | Limited number of branches. |
Texas Capital Bank Product Offerings
CDs
A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period, known as a term. Texas Capital Bank offers CDs with terms ranging from one month to two years. It offers competitive APYs on many of its CDs, with yields above the national average of 2.60%. Here are the details for some of the bank's CD offerings for April 2025:
Checking Accounts
Texas Capital Bank offers several different business and personal checking accounts. Most of the checking accounts offer APYs below the national average of 0.01% for checking accounts. Many checking accounts offer monthly service charges that can be waived by meeting certain balance requirements. Here are the latest account details for April 2025:
Money Market Accounts
A money market account is an interest-bearing hybrid between a savings account and a checking account. Texas Capital Bank offers one personal money market account, which offers a competitive APY higher than the national average of 2.02%. Here are the account details for April 2025:
Savings Accounts
Texas Capital Bank offers a few different savings accounts. Neither account has a monthly service charge nor does it require a minimum opening deposit. The yields offered are above the national average of 1.45%. Here are the latest savings account details for April 2025:
Bank Fees
Overdraft fee: $15
Savings and Money Market Account withdrawals: None
Account closure fee: $15 if account is closed within 90 days of opening
Wire transfer fee: Domestic - Incoming is $12 and outgoing is $35; International - Incoming is $12 and outgoing is $45
Non-network ATM fee: None
Monthly service charge: $12 depending on the type of account
Stop payment fee: $15
Paper statement fee: $5
Texas Capital Bank Features
Texas Capital Bank's customer service line is available weekdays from 9 a.m. to 5 p.m. CST via telephone. They also operate an automated phone line 24 hours a day, 7 days a week, for basic account functions. The bank operates a handful of branches in Texas and allows fee-free access to more than 55,000 Allpoint ATMs nationwide. It also offers an easy-to-use mobile app that allows customers to manage their accounts and perform basic account functions.
Texas Capital Bank FAQs
Our Take
Texas Capital Bank is a small, Texas-only bank that operates branches in the major cities. It offers an excellent high-yield savings account and CDs with competitive yields across the board. Its one money market account and savings accounts also offer APYs that are above their respective national averages. Most accounts either have no monthly service charges or have charges that are able to be waived by meeting certain balance requirements. It may be a good banking option for Texas residents, as only they can open most of their accounts.
Methodology
Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.