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Terms & Conditions

Last Updated 1/12/22

Thank you for choosing to be part of our community at Capital Bank of Texas (“Company,” “we,” “us,” or “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about these Terms & Conditions or our practices with regard to your personal information, please contact us at https://www.capitalbankoftexas.com/contact/.

Please read the following Terms & Conditions carefully. By using this Website, you acknowledge that you have read the following Terms & Conditions and agree to be bound by them as may be amended by Capital Bank of Texas, from time to time, and posted on this Website. If you do not agree to these Terms of Use do not use the Website.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Capital Bank of Texas’ websites and systems, including but not limited to unauthorized entry into Capital Bank of Texas’ systems, misuse of any password, user ID, e-mail address or misuse of any information posted on a site, is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Capital Bank of Texas.

Links and Third Party Product and Service Providers

Capital Bank of Texas hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked to this website. By creating a link to a third party website, Capital Bank of Texas does not endorse or recommend any products or services offered or information contained at that website, nor is Capital Bank of Texas liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of Capital Bank of Texas and the third party website may provide less security than the Capital Bank of Texas website.


This Website could include technical inaccuracies or typographical errors as well as potential loading issues due to website hosting vendor maintenance, downtime, or other technical issues.

Potential Disruption of Service

Access to this Website may from time to time be unavailable.

No Warranty

The information and materials contained in this website, including text, graphics, links or other items are provided “as is” and “as available.” Capital Bank of Texas does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will Capital Bank of Texas be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Capital Bank of Texas, or representatives thereof, are advised of the possibility of such damages, losses or expenses. User agrees to indemnify, defend, and hold Capital Bank of Texas harmless from any liability, loss, claim, and expense, including attorney’s fees related to a user’s violation of these terms of use or the use of the services and information provided at this website.

Information Provided By You

All information submitted to Capital Bank of Texas via this site shall be deemed and remain the property of Capital Bank of Texas and Capital Bank of Texas shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Capital Bank of Texas through this Website. Capital Bank of Texas shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed by Capital Bank of Texas or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Capital Bank of Texas’ responsibilities and obligations to customers in accordance with the Capital Bank of Texas Privacy Policy. Capital Bank of Texas may use any information submitted on this Website to contact you about your account, including the use of any e-mail address submitted for purposes of corresponding with you about your account, and such correspondence may contain the status of your account.


This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.


These Terms of Use will be governed by and construed in accordance with the laws of the United States of America and the State of Oklahoma without regard to conflict of law principles, and users agree that all legal proceedings related to the matters herein shall be adjudicated solely in the courts of Oklahoma County, OK, United States of America. Users consent to extraterritorial service of process and submit to the jurisdiction of said courts. To the extent any portion of these Terms of Use shall be determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms of Use as so modified will remain in full force and effect. Any waiver of any provisions contained in these Terms of Use by Capital Bank of Texas shall not be deemed to be a waiver of any other right, term, or provision of these Terms of Use.

The Capital Bank of Texas Online Practices Privacy Policy explains how we collect, use, and share information from or about you online when you visit this site.


Capital Bank of Texas may use Google Analytics or Google Ads to gather basic information about website visitor behavior, interests, website performance, and other general data about our website and its use. Here are two of the most common Google Analytics advertising features that PCapital Bank of Texas may utilize, and the insights they provide:

  • AdWords Remarketing: Uses behavior, demographic, and interest data to identify users who are likely to convert, and then allows you to target those users with remarketing campaigns through Google Ads
  • Demographics and Interests Reporting: Provides insight into the age, gender, and purchase interests of users, which you can use to better target your advertisements


We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice. Capital Bank of Texas uses cookies in two ways:

  • Web-browsing cookies: Capital Bank of Texas may use web browsing cookies to display information more effectively to you and to gather data about the usage of our website.
    Online Banking cookies: Capital Bank of Texas may use cookies during your Online Banking sessions for security purposes to help recognize your computer. Any time a cookie is used personal information is encrypted and used solely to support your Online Banking activity.
  • Other technologies we use may capture customer specific data to help us understand how customers use our site and to assist us with resolving customers’ questions regarding the use of our site.


Capital Bank of Texas may use pixel or cookie technologies to market to website visitors. However, most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

How We Use and Share Information

Unless otherwise described in this policy, we will use and share any information that we collect from or about you that is covered by this policy in accordance with the Capital Bank of Texas Privacy Policy.

Making Sure Information is Accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone numbers or appropriate address for such changes listed
on your account statements, bank records, online banking or other account materials.

Looking out for Children

We do not knowingly market to or solicit information from children under 18 without parental consent. We recognize that protecting children’s identities and privacy online is important, and that the responsibility to do so rests with both the online industry and with parents. While Capital Bank of Texas works to protect your personal information as a financial institution, you also have responsibility. The internet is a public network. Childrens’ access to the internet can allow them to visit inappropriate websites and be exposed to unwanted risks. COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from online collection of personal information. Parents can be proactive by installing filtering software that gives them more control over their family’s internet experience. We recommend that minors 18 years of age or older ask their parents for permission before sending any information about themselves to anyone over the Internet. Additionally, we do not target or re-market to anyone under the age of 18 through preventative measures put in place by third party social media and advertising partners such as Google and Facebook.


Capital Bank of Texas recognizes the importance of ensuring our websites are accessible to those with disabilities. This website endeavors to conform to Web Content Accessibility Guidelines 2.1 (WCAG 2.1 A, AA). We are committed to making our information accessible to visitors with disabilities and are actively working to increase the accessibility and usability of our website and in doing so adhere to many of the available standards and guidelines.

Changes to the Online Practices Privacy Policy

This policy is subject to change. If we make changes to the Online Practices Privacy Policy, we will revise the last updated date. Please review periodically.