How do I qualify for a Texas Capital Bank account bonus?

To qualify for a bonus, you must maintain a $5,000.00 minimum daily balance for each statement period. You must also make at least ten monthly debit transactions totaling $1,500.00 for every statement period.

Can I take advantage of the Texas Capital Bank Promotion if I do not own a business?

No, since the promotional offer for the Elite Business Checking Account is only for business owners and their expenses. The bank offers CDs and savings account options with varying APY rates depending on how long you want to save money. However, you do not receive any bonuses for doing so.

How long does it take to receive my bonus?

Texas Capital Bank pays your bonus in increments of $200 after every billing cycle. However, you can only receive these funds if you meet the qualifying requirements and maintain the $5,000 daily balance limit. If you do not meet the limits during a pay cycle, you will receive your bonus during the next pay cycle. After that, you will not receive any remaining bonus, even if you did not receive the full amount. Keep in mind this offer expired on June 30, 2025, but this information reflects the timeline while it was still active.

What other services does Texas Capital Bank offer?

Texas Capital Bank is a smaller financial institution tailored for local clients, so it does not offer many perks or bonuses compared to national banks. Some services include commercial and private banking, savings accounts and wealth management options.

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Texas Capital Bank Promotions: Best Offers and Bonuses

October 6, 2025

4 min Read

Written by Hiba Boutary

Edited by Melanie Grafil

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Texas Capital Bank currently has no active promotions, but they offer great rates on CDs and savings accounts. Headquartered in Dallas, Texas, the bank has branches in every major Texas city, with an executive office in New York.

Account	APY
Star High-Yield Savings Account
Star Money Market Account	Up to
Certificate of Deposit	Up to

Star High Yield Savings Account

If you’re a Texas resident, you can take advantage of this high yield savings account that offers rates up to .

Minimum deposit: $0.01
Expiration date: Rates are subject to change
How to claim: Have a Texas residential address
When you’ll get it: Interest compounds daily
Fees: No fees

Star Money Market Account

The Star Money Market Account has several rates depending on how much money your account has. Rates start at for balances between $500 and $499,999. At $500,000, the rate jumps up to . At $25,000,000, the rate jumps up to .

Minimum deposit: $500
Expiration date: Rates are subject to change
How to claim: Maintain the minimum account balance
When you’ll get it: Interest is credited monthly and compounds daily
Fees: No fees

Certificate of Deposit

You can pick from CD terms from 30 days to 24 months. Early withdrawal penalties depend on the term you choose.

Minimum deposit: $1,000
Expiration date: Rates are subject to change
How to claim: Keep your CD funded until the end of the term
When you’ll get it: Interest compounds daily
Fees: No fees

Is Texas Capital Bank the Right Bank for You?

Although every bank has strengths and weaknesses, Texas Capital Bank is best for Texans who plan to save money. Keep checking back to see if they have any new promotions.

Texas Capital Bank Promotions FAQ

Take a look at the answers to some of your most frequently asked questions about promotions at Texas Capital Bank.

How do I qualify for a Texas Capital Bank account bonus?
- To qualify for a bonus, you must maintain a $5,000.00 minimum daily balance for each statement period. You must also make at least ten monthly debit transactions totaling $1,500.00 for every statement period.
Can I take advantage of the Texas Capital Bank Promotion if I do not own a business?
- No, since the promotional offer for the Elite Business Checking Account is only for business owners and their expenses. The bank offers CDs and savings account options with varying APY rates depending on how long you want to save money. However, you do not receive any bonuses for doing so.
How long does it take to receive my bonus?
- Texas Capital Bank pays your bonus in increments of $200 after every billing cycle. However, you can only receive these funds if you meet the qualifying requirements and maintain the $5,000 daily balance limit. If you do not meet the limits during a pay cycle, you will receive your bonus during the next pay cycle. After that, you will not receive any remaining bonus, even if you did not receive the full amount. Keep in mind this offer expired on June 30, 2025, but this information reflects the timeline while it was still active.
What other services does Texas Capital Bank offer?
- Texas Capital Bank is a smaller financial institution tailored for local clients, so it does not offer many perks or bonuses compared to national banks. Some services include commercial and private banking, savings accounts and wealth management options.

More on Texas Capital Bank

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Oct. 6, 2025.

This article has been updated with additional reporting since its original publication.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Cynthia Bowman contributed to the reporting for this article.