Texas Capital Bank Review: Low Minimums and a Great Money Market Account
Written by
Rudri Bhatt Patel, CFHCâ„¢
Edited by
Joe Evans, CFHCâ„¢
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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 Checking Account
Texas Capital Bank offers two personal checking accounts: Star Checking and Star Plus Checking. The live GOBankingRates review positions both as straightforward, low-friction options with no monthly maintenance fees, no minimum balance requirements and access to a large ATM network. The main difference is that Star Checking is non-interest-bearing, while Star Plus Checking earns interest and includes up to $20 in monthly out-of-network ATM fee refunds.
Here are some key points to know:
- Two simple choices: Star Checking is non-interest-bearing, while Star Plus Checking earns interest.
- No monthly fees: Neither account charges a monthly service fee or requires a minimum balance.
- Strong ATM access: Both accounts include access to more than 55,000 ATMs.
- Regional limitation: Physical branches are concentrated mainly in Texas.
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
0.00% for Star Checking and 0.10% for Star Plus Checking
Min Opening
$0
Pros
- No monthly fees
- No minimum balance requirement
- Access to more than 55,000 ATMs
- Star Plus Checking earns interest and includes up to $20 in monthly non-Texas Capital ATM fee refunds
Cons
- Branches are limited mainly to Texas
- Star Checking does not earn interest
- The APY on Star Plus Checking is still relatively low
Quick Take
Texas Capital’s checking accounts work well for customers who want uncomplicated banking with low fees and broad ATM access. The setup is especially appealing if you want a no-frills account and do not need a large branch footprint.
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Texas Capital Bank Savings Accounts
Texas Capital Bank offers two savings accounts: Star Savings and Star High-Yield Savings. The live GOBankingRates review already highlights these as attractive no-fee options, and the current rate sheet makes them even more competitive than the review text suggests. Star Savings currently earns 2.12% APY on all balances, while Star High-Yield Savings earns 3.65% APY on balances up to $1 million and 2.12% APY on any portion above $1 million. The catch is that the high-yield version is only available to applicants with a Texas residential address.
Here are some key points to know:
- Two savings choices: one standard account and one higher-yield Texas-only option.
- No monthly fees or minimum opening deposit: both accounts are easy to start.
- Strong yield: current rates are materially better than what many regional banks pay on basic savings.
- Texas restriction: Star High-Yield Savings is limited to Texas residents.
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
2.12% on Star Savings; 3.65% on Star High-Yield Savings up to $1 million, then 2.12% above $1 million
Min Opening
$0
Pros
- No minimum deposit
- No monthly service fee
- Competitive APYs on a 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’s savings accounts combine low friction with genuinely competitive yields. For Texas residents, the high-yield version is especially attractive because it pairs a strong APY with no monthly fee or opening deposit requirement.
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Texas Capital Bank CD Accounts
Texas Capital Bank offers standard CDs with terms from 30 days to 24 months and a $1,000 minimum opening deposit. The current rate sheet shows 3.80% APY on the 90-day CD, 3.75% APY on the 180-day CD, 3.80% APY on the 12-month CD, 3.70% APY on the 18-month CD and 3.60% APY on the 24-month CD. The 30-day CD trails far behind at 1.00% APY, so the real value is in the short- and mid-term options.
Here are some key points to know:
- Flexible terms: CDs range from 30 days to 24 months.
- Best current rates are short to mid-term: the 90-day and 12-month CDs currently offer the top APY.
- Standard entry point: $1,000 minimum deposit is manageable for many savers.
- Fixed return: rates are fixed through maturity, though early withdrawal penalties apply.
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; early withdrawal penalties apply
APY
1.00% to 3.80%, depending on term
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’s CDs are appealing for savers who want competitive short-term yields without needing to lock money away for several years. The current 90-day and 12-month rates are the clear standouts in the lineup.
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Texas Capital Bank Money Market Accounts
Texas Capital Bank’s Star Money Market account remains one of the more compelling products in its lineup. The live GOBankingRates review already calls out the account’s competitive APYs, no monthly service charge and strong flexibility. The current rate sheet shows a tiered structure starting at 2.13% APY for balances from $500 to $499,999.99, then rising to 2.84% APY from $500,000 to $24,999,999.99 and 2.96% APY at $25 million or more. The account also includes unlimited transactions and debit-card access.
Here are some key points to know:
- Competitive tiered APYs: larger balances earn more.
- No monthly fee: a strong plus for a money market account.
- Accessible cash management: includes unlimited withdrawals and debit card access.
- Need at least $500 to earn the disclosed APY: lower balances will not qualify the same way.
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
2.13% to 2.96%, depending on balance tier
Min Opening
$500 to open, with at least $500 required to obtain the disclosed APY
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’s money market account offers one of the better blends of yield and flexibility in the bank’s lineup. The lack of a monthly fee makes it even more attractive for savers who want accessible cash without giving up interest entirely.
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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
0.00% for Star Checking and 0.10% for Star Plus Checking
Up to
Varies by region
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
2.12% on Star Savings; 3.65% on Star High-Yield Savings up to $1 million, then 2.12% above $1 million
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 apply
Early withdrawal penalties will apply
Early withdrawal penalty may apply
APY
APY
APY
1.00% to 3.80%, depending on term
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
2.13% to 2.96%, depending on balance tier
Up to
Up to
Min Opening
Min Opening
Min Opening
$500 to open, with at least $500 required to obtain the disclosed APY
$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 March 31, 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.
