Smart Checking
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There is no monthly maintenance fee
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Unlimited transactions
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Free Visa® Debit Card
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Free online and mobile banking
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Minimum opening balance $100
Capital Checking
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Monthly maintenance fee is $10
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Unlimited transactions
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Free Visa® Debit Card
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Free online and mobile banking
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Opening deposit $100
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The minimum daily ledger balance to avoid the maintenance fee is $750 or the minimum monthly average balance to avoid the monthly maintenance fee is $1,500.
Capital Interest Checking
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The monthly maintenance fee is $12.
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Unlimited transactions
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Free Visa® Debit Card
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Free online and mobile banking
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Minimum daily ledger balance to earn interest $500
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Interest compounded daily (Interest paid on daily collected balances)
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Fees could reduce the earnings on this account.
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The minimum daily ledger balance to avoid the maintenance fee is $1,500 or the minimum monthly average balance to avoid the maintenance fee is $2,500.
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Opening deposit $100
Premier Interest Checking
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Unlimited transactions
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Free personalized checks (standard style, one box per order); other styles available at a discount.
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Rent-free safe deposit box (3″x10″); other boxes available at 50% discount. Refundable key deposit applies.
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Rebate non-Texas Capital Bank ATM fees (unlimited)
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No fees on cashier’s checks
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Interest compounded daily (Interest paid on daily collected balances)
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The monthly maintenance fee is $10.
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The minimum daily ledger balance to avoid the maintenance fee is $25,000 in combined balances in related personal accounts.
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Fees could reduce the earnings on this account.
Premier Money Market Account
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Premium interest rates
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Interest credited monthly
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Limited to 6 preauthorized withdrawals per month
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Minimum daily ledger balance to earn interest $500
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Interest compounded daily (Interest paid on daily collected balances)
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No monthly maintenance fee when linked to Premier Interest checking
Minor’s Savings
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Limited to two withdrawals per month; limited to six per quarter
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Interest credited quarterly
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Account converts to consumer savings at age 16
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Free Visa® Debit Card
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Interest compounded daily (Interest paid on daily collected balances)
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There is no monthly maintenance fee.
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The fee for excess withdrawals is $2 per withdrawal.
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Fees could reduce the earnings on this account.
Consumer Savings
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Limited to two withdrawals per month; limited to six per quarter
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Interest credited quarterly
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Free online and mobile banking
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Free Visa® Debit Card
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Interest compounded daily (Interest paid on daily collected balances)
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The monthly maintenance fee is $5.
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The fee for excess withdrawals is $2 per withdrawal.
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The minimum daily ledger balance to avoid maintenance fee is $500.
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Fees could reduce the earnings on this account.
Money Market Account
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Limited to six pre-authorized withdrawals per month
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Unlimited in-person withdrawals
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Interest credited monthly
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Free Visa®Debit Card
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Interest compounded daily (Interest paid on daily collected balances)
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Minimum daily ledger balance to earn interest $500
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The monthly maintenance fee is $12.
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Minimum daily ledger balance to avoid maintenance fee $2,500
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The charge for excess third-party withdrawals per withdrawal is $10.
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Fees could reduce the earnings on this account.
CONSUMER BANKING SERVICES AND FEES
For more information on the financial products and services listed below that Texas Capital Bank can offer your employees, please call 877.TEX.BANK (877.839.2265) or visit the Texas Capital Bank location nearest you.
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.TEX.BANK (877.839.2265) to find out whether the deposit has been made to your account.
ATM/DEBIT CARD
You may use the automated teller machine (ATM) 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:
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Withdraw cash from your checking or savings account
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Transfer funds between your checking and savings accounts
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Get balance information on your deposit accounts
Details:
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You may make unlimited cash withdrawals from ATMs per day
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You may withdraw up to $500 (if there are sufficient funds in your account) per day
Fees and Charges: ATM owners may impose their own fees. There is a replacement card fee of $5 per card.
PERSONALIZED CHECKS
Personalized check prices vary according to your selected design and check style.
Fees: $12 to $30. 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. In any case, you will receive a quarterly statement on a savings account if it is the only account you maintain with us.
Fee: None
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. Stop payments will remain in effect for 6 months.
Fee: $40 per request
ELECTRONIC PAYMENTS
You may arrange for us to complete pre-authorized recurring bill pays from your checking or savings account.
Fees: None
CAPITAL TELEBANKING
Your accounts are always accessible with Capital TeleBank!
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Review account balances
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Set up transfers between accounts
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Retrieve your account history
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Retrieve account statements
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Change your ATM or CheckCard Personal Identification Number (PIN)
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Private easy and convenient banking from your touch-tone phone
To access 24 hour customer service: Dial Capital TeleBank toll-free @ 877.839.2265, option 2
Fee: None
RSSD ID 2618780 | CERTIFICATE 34383 | ABA NUMBER 1110179792000 Mckinney Ave, Suite 700Quarter Ended :2018-09-30Dallas, Texas, 75201Updated :2018-10-30 www.texascapitalbank.com
Holding Company (RSSDID 2706735) : Texas Capital Bancshares, Inc.
Institution Profile: Year Opened :1997 Institution Type :Commercial bank Entity Type :Federal Federal Regulator :OCC Member Federal Reserve :Yes S-Corp :No Fiduciary Powers :Yes Powers Exercised :Yes Filing Type :041 Specialization :Commercial Lending Specialization Statistical Area (MSA) :Dallas, TX Interstate Branches :No Foreign Offices :No Number of Offices :13 Number of Employees :1,640
Financial Reports RC – Balance Sheet Report
RI – Income Statement Report
:· All Financial Reports …
Financial Fast Facts Balance Sheet
(USD, in thousands)
Income Statement
(USD, in thousands, ytd)Total Assets27,102,859
Total Interest Income845,287Total Liabilities24,660,260
Total NonInterest Income52,242Total Bank Equity Capital2,444,300
Total Interest Expense161,782Total Deposits20,478,949
Total NonInterest Expense384,520Net Loans & Leases21,849,519
Net Income236,560Loan Loss Allowance190,306
Net Charge Offs45,137
Regulatory Capital
Quarterly Averages
(USD, in thousands)Total capital2,848,429
Total loans22,975,466Total assets for the leverage ratio25,944,899
Loans secured by real estate:7,522,546Tier 1 Leverage Ratio9.35
Commercial and industrial loans7,961,678Tier 1 Capital Ratio9.28
Loans to individuals – Credit Cards0Total Capital Ratio10.9
Loans to individuals – Other47,639