Personal Banking – Checking Accounts

Capital Bank of Texas offers a variety of checking options to fit your personal needs.  Each of our accounts provides you the convenience of 24-hour account access through ATMs and our Telephone Bankline.

Economy Checking (Direct Deposit Required)

An in-person transaction fee of $3.00 will be charged for each transaction
  • No monthly maintenance fee
  • No minimum balance requirement
  • Monthly statement-no images

Basic Checking

A low monthly maintenance fee with limited check writing privilege.

  • $7.50 monthly maintenance fee
  • .50 for each debit transaction in excess of 25 during monthly statement cycle
  • $100.00 minimum deposit required to open account
  • Check card available
  • Internet banking available
  • Automated account inquiry access by phone

 

Personal Checking

A non-interest bearing account with unlimited check-writing privileges.

  • $12.00 monthly maintenance fee
  • Maintain a $1,000.00 average daily collected balance to avoid monthly maintenance fee.
  • $200.00 minimum deposit required to open account
  • Check card available
  • Internet banking available
  • Automated account inquiry access by phone
  • Check images provided with statement

 

Interest on Checking

An interest bearing account with unlimited check writing privileges.

  • $12.00 monthly maintenance fee
  • Maintain a $2,000.00 minimum daily balance to avoid monthly maintenance fee.
  • $200.00 minimum deposit required to open account
  • Check card available
  • Internet banking available
  • Automated account inquiry access by phone
  • Check images provided with statement

 


Capital 55 Plus Account 

An interest bearing account with unlimited check-writing privileges if you are 55 plus.

  • $10.00 monthly maintenance fee if balance falls below $500.00
  • $500.00 minimum deposit required to open account
  • Maintain a minimum collected balance of $2,000.00 in the account each day to obtain the disclosed annual percentage yield.
  • Check card available
  • Internet banking available
  • Automated account inquiry access by phone
  • Check images provided with statement
  • Free first year rent on 3 x 5 safe deposit box.
  • First order of checks free with subsequent orders at a reduced rate.
 
ONLINE BANKING
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To report a lost or stolen debit card after hours, call
1-800-383-8000
If you will be traveling outside the United States, please notify our debit card department at 830-876-5221 so we can ensure uninterrupted service.