Texas Capital Bank Review: Low Minimums and a Great Money Market Account
Written by
Rudri Bhatt Patel, CFHCâ„¢
Edited by
Joe Evans
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- Texas Capital Bank at a Glance
- Texas Capital Bank Checking Accounts
- Texas Capital Bank Savings Accounts
- Texas Capital Bank CD Accounts
- Texas Capital Bank Money Market Accounts
- Banking Experience
- How Does Texas Capital Bank Compare?
- Safety and FDIC Insurance
- Who Texas Capital Bank Is Best For
- Final Take to GO
Earn a generous APY with a $500 minimum money market account opening requirement.
Texas Capital Bank has a range of financial products, including checking, savings, a money market account and CDs. Many of the accounts have no monthly service fees and competitive APYs.
Texas Capital Bank is a Dallas-based financial institution focused primarily on commercial banking, wealth management and treasury services, with limited offerings for everyday consumer banking. The bank is best known for serving businesses, professionals and high-net-worth clients rather than competing for retail depositors with high savings rates.
This review explains how Texas Capital Bank works, what personal customers can expect and who is most likely to benefit from its services.
Texas Capital Bank at a Glance
| Category | Details |
|---|---|
| Bank type | Commercial-focused regional bank |
| Headquarters | Dallas, Texas |
| Branch access | Limited |
| Online banking | Yes |
| Mobile banking | Yes |
| FDIC insurance | Yes |
| Best known for | Business banking and treasury services |
Texas Capital Bank Checking Accounts
Texas Capital Bank has two checking accounts: Star Checking and Star Plus Checking. Both require no minimum balance and no monthly maintenance fee. They can be opened online and come with a debit card.Â
- Access to over 55,000 ATMs
- No minimum balance requirementÂ
- Free personal checks with both accounts
- Star Checking is not interest-bearing
- Star Plus Checking offers APY
Best For
Money Market Accounts
Mobile App
Great APYs
Low Monthly Fees
No Minimum Deposit
No Monthly Fees, Large ATM Network
Texas Capital Bank offers straightforward checking accounts with no monthly fees, no minimum balance requirements and access to a large ATM network.
Fees
$0
APY
Up to
Min Opening
$0
Pros
- No monthly fees
- Extensive ATM network
- Up to $20 of non-Texas Capital Bank ATM fees will be refunded each month if you have the Star Plus Checking Account
Cons
- Physical branches limited to mainly Texas
- No out-of-network ATM fees refunded on Star Checking Account
- Low APY on checking account
Quick Take
Texas Capital Bank has two checking accounts that will appeal to those who want straightforward checking accounts with no monthly minimum balance requirements or maintenance fees.
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Texas Capital Bank Savings Accounts
Texas Capital Bank has two savings accounts: Star Savings and Star High-Yield Savings Account. Both accounts do not require a minimum monthly deposit or maintenance fee. You need a Texas residential address to apply for a Star Savings High-Yield account.Â
- APY on the Star Savings Account
- APY on the Star High-Yield Savings Account
- Interest is compounded dailyÂ
- Online and mobile banking alerts
- FDIC-insuredÂ
Best For
Money Market Accounts
Mobile App
Great APYs
Low Monthly Fees
No Minimum Deposit
APY Up to , No Monthly Fees
Texas Capital Bank offers two savings accounts with no monthly fees, no minimum deposit requirements, and competitive APYs, especially on the Star High-Yield Savings Account.
Fees
No monthly service fee
APY
Up to
Min Opening
$0
Pros
- No minimum deposit
- No monthly service fee
- Competitive APYs on high-yield savings account
Cons
- Limited physical locations
- Low rates for high balances
- You must have a Texas residential address to apply for the Star Savings high-yield account.
Quick Take
Texas Capital Bank offers two attractive savings account options with no minimum deposit requirement or monthly fee. The APY on the high-yield Star Savings account is competitive. However, you must have a Texas residential address, possibly making this inaccessible for some.
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Texas Capital Bank CD Accounts
Texas Capital Bank offers a variety of standard CDs with term limits ranging from 30 days to two years. To open a new CD, you’ll need a minimum balance of $1,000. The APY ranges from to .Â
- Term lengths are from 30 days to 24 months
- Minimum deposit of $1,000 to open
- Interest is compounded daily
- The 90-day CD offers the highest yield.
Best For
Money Market Accounts
Mobile App
Great APYs
Low Monthly Fees
No Minimum Deposit
Flexible Terms and APYs Up to
Texas Capital Bank provides a variety of CDs with competitive APYs, flexible terms ranging from 30 days to 24 months and a $1,000 minimum deposit.
Fees
No monthly service fee
APY
Up to
Min Opening
$1,000
Pros
- Competitive APYs
- Varying length termsÂ
- FDIC-insured
- Minimum deposit may work for manyÂ
Cons
- Limited physical locations
- Early withdrawal penalties
- Variable interest rate
Quick Take
Texas Capital Bank offers a variety of CD options. Many may find the $1,000 deposit requirement accessible, and others may like the wide time range of the CD terms.
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Texas Capital Bank Money Market Accounts
You need $500 to open the FDIC-insured Star Money Market account at Texas Capital Bank. This account has an above-average APY that increases based on your balance.
- You can access cash when needed and earn interest when you don’t, so you can keep growing your wealth.
- No monthly service charge
- APY ranges from to
- $500 minimum daily ledger balance
- Unlimited withdrawals and transactions
- Interest is credited monthly and compounded daily.
Best For
Money Market Accounts
Mobile App
Great APYs
Low Monthly Fees
No Minimum Deposit
No Fees, Competitive APYs
Texas Capital Bank’s money market account offers competitive APYs, no monthly fees and tiered interest rates that reward higher balances, making it a strong choice for savers.
Fees
No monthly service fee
APY
Up to
Min Opening
$500
Pros
- Competitive APYs
- No monthly service charge
- Tiered interest rate
- One of GOBankingRates 2025 Money Market winners
Cons
- Higher balances are needed to access higher interest rates
- Limited physical branches
- The account requires at least $500 to earn interest
Why We Like Texas Capital Bank
Texas Capital Bank’s money market account has competitive APYs and allows individuals to access funds. The absence of monthly fees is why GOBankingRates voted it one of the Best Money Market Accounts for 2025.
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Banking Experience
Texas Capital Bank offers a full-service banking experience. If you live in Texas, you can access the bank’s Financial Center locations. All customers have convenient access to nationwide Allpoint ATMs.Â
For customer service, bank representatives are available Monday through Friday, 8 a.m. to 6 p.m. CT. Otherwise, the automated phone service at 877-839-2265 runs 24 hours a day.
Additionally, Texas Capital Bank ‘s online banking options and mobile app make it easy to manage your accounts. You can use these features to pay your bills, set up account notifications, initiate wire transfers, find nearby ATMs, and more. All personal checking and savings account customers can enroll in online banking and the mobile app for free. The mobile app was rated 4.3 out of 5 stars on Google Play and 4.5 out of 5 stars on the App Store.
How Does Texas Capital Bank Compare?
When choosing a bank, it’s always helpful to weigh one financial institution’s offerings against another.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$0
$8 to $30 monthly
$0 to $22 per month
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$0
$25
$50 to $1,000
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
$3.50 waivable monthly fee
None
APY
APY
APY
Up to
Up to
Min Opening
Min Opening
Min Opening
$0
$50
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
Early withdrawal penalties will apply
Early withdrawal penalty may apply
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$1,000
$500
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
Waivable $15 monthly fee
$12 to $25
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$500
$50
$50
Texas Capital Bank vs. Frost Bank
Frost Bank offers personal checking account holders up to a $100 overdraft grace. Texas Capital Bank does not offer this benefit. However, it does offer a free checking account, while Frost Bank’s checking options all have monthly service charges.
Texas Capital Bank vs. Comerica Bank
Comerica Bank offers lower minimum opening deposits of $50 on its checking accounts. There is no minimum opening deposit required for Star Checking or Star Plus Checking accounts. However, Texas Capital Bank offers much higher APYs for its standard CDs than Comerica offers.
Texas Capital Bank vs. Marcus by Goldman Sachs
Texas Capital Bank has personal and business banking services, including checking accounts, savings accounts, and loans. At the same time, Marcus by Goldman Sachs focuses exclusively on high-yield online savings and investment products. Texas Capital Bank provides competitive interest rates on savings and CDs, with options like the Star High-Yield Savings and Star Money Market accounts. Marcus by Goldman Sachs is an exclusively digital platform with no minimum deposits and consistently high APYs on savings accounts.
Safety and FDIC Insurance
Texas Capital Bank is FDIC-insured.
- Deposits are insured up to applicable federal limits
- Coverage applies across eligible account types
- The bank operates under federal banking oversight
Who Texas Capital Bank Is Best For
Best Fit
- Business owners and commercial clients
- Professionals managing large balances
- Customers seeking treasury and cash-management services
- Clients prioritizing relationship banking
Less Ideal
- Everyday retail banking customers
- Rate-focused savers chasing high APYs
- Consumers seeking simple, low-minimum accounts
- Digital-first users looking for streamlined consumer apps
Final Take to GO
Texas Capital Bank is best viewed as a commercial and relationship-driven bank, not a traditional consumer bank. Its products are designed to support businesses and complex financial needs rather than compete on everyday checking or savings rates.
For individuals tied to business or wealth relationships, Texas Capital Bank can be a strong partner. For basic consumer banking or long-term savings growth, many customers may prefer a different type of institution.
Texas Capital Bank FAQ
- Is Texas Capital Bank FDIC-insured?
- Yes. Deposits are FDIC-insured up to applicable federal limits.
- Does Texas Capital Bank offer high-yield savings accounts?
- Savings and money market accounts typically emphasize liquidity and cash management rather than high yields.
- Are there monthly maintenance fees?
- Yes. Many accounts include monthly fees unless balance or relationship requirements are met.
- Does the bank offer online and mobile banking?
- Yes. Texas Capital Bank provides online and mobile banking with advanced cash-management tools.
- Who should consider another option?
- Consumers seeking simple everyday banking or high-yield savings may prefer other account types.
Caitlyn Moorhead and Jamie Johnson contributed to the reporting for this article.Â
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 5, 2026.
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.
