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Capital Bank of Texas - Home Page


Personal Banking - Checking Accounts


Checking Accounts | Savings Accounts | Loans

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.

Basic Checking | Personal Checking | Interest on Checking | Capital 55 Plus Checking

Basic Checking

A low monthly maintenance fee with limited check writing privilege.

  • $3.00 monthly maintenance fee
  • .50 for each debit transaction in excess of 25 during monthly statement cycle
  • $25.00 minimum deposit required to open account
  • Check card available
  • Internet banking available
  • Preferred loan reduction rate of .25% with auto debit
  • Automated account inquiry access by phone
  • Check images are not provided with statement

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Personal Checking

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

  • $10.00 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
  • Preferred loan reduction rate of .25% with auto debit
  • Automated account inquiry access by phone
  • Check images provided with statement

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Interest on Checking

An interest bearing account with unlimited check writing privileges.

  • $15.00 monthly maintenance fee
  • Maintain a $1,500.00 minimum daily balance to avoid monthly maintenance fee.
  • $200.00 minimum deposit required to open account
  • Check card available
  • Internet banking available
  • Preferred loan reduction rate of .25% with auto debit
  • Automated account inquiry access by phone
  • Check images provided with statement

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Capital 55 Plus Checking

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

  • No monthly maintenance fee.
  • $200.00 minimum deposit required to open account
  • Maintain a minimum collected balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
  • Check card available
  • Internet banking available
  • Preferred loan reduction rate of .25% with auto debit
  • 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.

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