BUSINESS BANKING ACCOUNTS

From the local entrepreneur looking to start their next business to the forward-thinking corporation looking to expand, Texas Capital Bank helps companies of all shapes and sizes start, grow and thrive. No matter your business stage, liquidity management is a critical component of your business strategy. Depository accounts are essential for managing your daily operations, paying down debt and funding your investments. That's why we're here to make it simple. Our account experts take the time to understand your needs in order to help you select the accounts that work best for you.

To print the table below or view it as a PDF, click here.

Account Type Minimum Opening Balance Account Features & Transaction Limits Interest* Service Fees
Interest Checking*
(for all business types)
$100
  • Earned on daily collected balance
  • $500 minimum balance to earn interest
  • Variable interest rate
  • $12 per month
  • No charge if $1,500 minimum daily balance or $2,500 average ledger balance is maintained
Small Business Checking
(for small businesses)
$100 None
  • $12 per month
  • No charge if $3,500 monthly average collected balance is maintained
  • Deposits - no charge
  • First 50 paid debits and first 50 items deposited are free
  • $.25 per excess transaction
Professional Checking
(for all business types)
$100 None
  • $30 per month
  • No charge if $10,000 monthly average collected balance or $35,000 combined monthly average collected balance in other business accounts is maintained
  • First 400 items are free
  • $.40 per excess transaction
Commercial Checking
(for all business types)
$100 None
  • All accounts analyzed each month
  • Refer to commercial fee schedule
Commercial Money Market Account*
(for all business types)
$100
  • Earned on daily collected balance
  • $500 minimum balance to earn interest
  • Credited monthly
  • Variable interest rate
  • No monthly fee with minimum daily ledger balance of $2,500+
  • $12 monthly fee with minimum daily ledger balance of less than $2,500
  • $10 per withdrawal over six withdrawals per statement cycle
Commercial Savings*
(for all business types)
$100
  • Earned on daily collected balance
  • Credited quarterly
  • Variable interest rate
  • No monthly fee with minimum daily ledger balance of $500+
  • $5 monthly fee with minimum daily ledger balance of less than $500
  • $2 excess transaction fee
  • All fees assessed quarterly
Certificate of Deposit
(for all business types)
$1,000 Fixed interest rate based on terms of certificate
  • No monthly service fees
  • Penalty for early withdrawal
IOLTA* - Interest on Lawyer's Trust Account
(for attorneys)
$100
  • Earned on daily collected balance
  • Variable interest rate
  • Less monthly charges remitted to Texas Equal Access to Justice Foundation
  • No monthly service fees

 

(A) Regulations limit the number of withdrawals and transfers not made in person to six per month. If the limit is exceeded, the bank is obligated to reclassify the account.

*Interest rates are subject to change based on market conditions. Please refer to the most recent rate sheet.








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