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Personal 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

A perfect start to day-to-day financial management.

An in-person transaction fee of $3.00 will be charged for each transaction
Direct Deposit required
No monthly maintenance fee
No minimum balance requirement
Monthly statement-no images
Debit Card available
Online banking available
Automated account inquiry access by phone

Basic Checking

A low monthly maintenance fee with limited check writing privileges.

$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
Debit card available
Online 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 minimum daily balance to avoid monthly maintenance fee
$200.00 minimum deposit required to open account
Debit card available
Online 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
Debit card available
Online 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
Debit card available
Online 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