Hailey Johnson
Texas Capital Bank is a commercial bank based in Dallas, Texas, that offers a full suite of banking services, including consumer deposit products and business and investment banking. The bank has received notable awards from Bankrate, GOBankingRates, and Newsweek, recognizing its excellence in financial services. However, user reviews are mixed, with some praising the bank's high-yield savings accounts and competitive APYs, while others complain about issues with customer service, login difficulties, and delays in accessing funds. Texas Capital Bank offers a range of products, such as CDs, checking, money market, and savings accounts, and provides fee-free access to over 55,000 ATMs.
| Characteristics | Values |
|---|---|
| Location | Texas |
| Branches | 16 |
| Type of bank | Commercial bank |
| Services | Consumer deposit products, business and investment banking, online-only banking, credit cards |
| ATM access | More than 55,000 ATMs nationwide |
| Monthly maintenance fee | None |
| High-yield savings account | Only available to Texas residents |
| Annual percentage yield (APY) | Competitive |
| Overdraft fees | $15 |
| Minimum deposit | $1,000 |
| Mobile app | Highly-rated among iOS and Android users |
| Customer service | Available weekdays from 9 a.m. to 5 p.m. CST |
| Awards | Best Regional Bank by Bankrate, America's Best Regional Banks and Credit Unions by Newsweek |
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What You'll Learn
Texas Capital Bank offers a wide range of financial products and services
The bank has a strong presence in Texas, with branches in major cities and a focus on serving Texas residents. Its high-yield savings account, for example, is only available to those living in Texas. However, the bank also offers most of its accounts nationwide, providing customers with fee-free access to over 55,000 ATMs through the Allpoint network.
Texas Capital Bank provides a variety of bank products, including CDs, checking, money market, and savings accounts. Its money market account offers a competitive APY above the national average, and its savings accounts have no monthly service charges and no minimum opening deposit requirements. The bank also offers Star and Star Plus Checking accounts, which help customers earn interest while maintaining liquidity.
In addition to its traditional banking services, Texas Capital Bank has a highly-rated mobile app that enables person-to-person payments using Zelle. The bank also provides credit card services, and credit cardholders can obtain a virtual card through Click to Pay.
Texas Capital Bank has received recognition for its financial services, including awards from Bankrate, GOBankingRates, and Newsweek. These accolades highlight the bank's commitment to providing top-tier financial products and solutions, solidifying its position as a leading full-service financial institution in Texas.
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It has a highly-rated mobile app
Texas Capital Bank has a highly-rated mobile app for iOS and Android users. The app allows users to make person-to-person payments using Zelle. Texas Capital Bank also offers a range of other digital banking features, including online banking and a network of over 55,000 ATMs.
The bank has received several awards for its financial services, including recognition from Bankrate as the Best Regional Bank for two consecutive years. Texas Capital Bank's commitment to providing top-tier financial products and solutions has strengthened its position as a premier full-service financial services firm headquartered in Texas.
Texas Capital Bank offers a wide range of products and services, including consumer deposit products, business and investment banking, and high-yield savings accounts. The bank provides competitive annual percentage yields (APYs) on its certificates of deposits (CDs) and savings accounts.
While the bank has received positive reviews for its digital experience and financial offerings, there are some mixed reviews regarding customer service and account access. Some customers have reported difficulties logging into their accounts and have expressed dissatisfaction with the customer service response.
Overall, Texas Capital Bank's highly-rated mobile app and digital features, combined with its competitive financial products and services, contribute to its reputation as a good bank. However, there are some areas, such as customer service and account access, where there is room for improvement.
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The bank has received awards for its financial services
Texas Capital Bank has been recognised with notable industry awards, highlighting its excellence in financial services. In February 2025, the bank received awards from Bankrate, GOBankingRates, and Newsweek.
Bankrate named Texas Capital Bank the Best Regional Bank for the second consecutive year. Bankrate's scoring formula considers various factors, including interest rates, fees, and minimum balance requirements. Texas Capital Bank's competitive annual percentage yields (APYs) and lack of monthly maintenance fees likely contributed to this recognition.
GOBankingRates also acknowledged Texas Capital Bank's performance and commitment to delivering top-tier financial products and solutions. Newsweek, employing the Texas Ratio to assess credit quality, profitability, and customer reviews, recognised the bank as one of America's Best Regional Banks and Credit Unions.
Texas Capital Bank's awards are a testament to the bank's strong performance, competitive offerings, and dedication to providing premier financial services to its clients. These accolades reinforce the bank's position as a leading financial services firm in Texas.
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It offers competitive APYs on most of its accounts
Texas Capital Bank offers competitive APYs on most of its accounts, including its certificates of deposits (CDs) and high-yield savings accounts. The bank's money market account, however, requires a large minimum deposit to earn the highest yields. Texas Capital Bank's high-yield savings account is only available to Texas residents.
The bank offers a full suite of banking services, including investing and business offerings. It also operates an online-only banking division called Bask Bank, which has received mixed reviews.
Texas Capital Bank has received recognition from Bankrate, GOBankingRates, and Newsweek for its excellence in financial services. Bankrate, in particular, has recognised the bank for offering a range of deposit products, competitive APYs, and a wide ATM network.
While Texas Capital Bank offers competitive APYs, it's important to consider other factors when choosing a bank. Some customers have reported issues with the bank, including delays in accessing funds, login difficulties, and unsatisfactory customer service.
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Texas Capital Bank has received negative reviews for its customer service
Reviews on WalletHub describe Texas Capital Bank's customer service as "disrespectful" and "a waste of time", with one reviewer stating that the bank's employees have "no desire to help any of their customers" and will not accept responsibility for issues. Another reviewer on the same platform mentions that the bank's customer service agent "could not have cared less about solving a problem or showing empathy".
In addition to the negative reviews, Texas Capital Bank has also been recognised with awards from Bankrate, GOBankingRates, and Newsweek, acknowledging its excellence in financial services and strong performance. However, it's important to note that these awards may not solely be based on customer service but also on other factors such as the range of products offered, fees, and minimum balance requirements.
While Texas Capital Bank has received accolades, it's important to consider the negative feedback from customers regarding their experiences with the bank's customer service. The bank appears to have areas where it can improve, especially in addressing the concerns raised by its clients to enhance overall satisfaction.
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Frequently asked questions
Reviews are mixed. Some customers have reported that the bank's customer service is disrespectful and unhelpful, while others have praised the ease of navigating the website.
Texas Capital Bank has been recognised by Bankrate, GOBankingRates, and Newsweek for its excellence in financial services. Newsweek named it one of America's Best Regional Banks and Credit Unions.
Texas Capital Bank offers a full suite of banking services, including CDs, checking, money market, and savings accounts. It also operates an online-only banking division called Bask Bank.
Texas Capital Bank's savings accounts offer competitive interest rates and APYs above the national average. There is no monthly service charge or minimum opening deposit. However, only Texas residents can open the Star Savings account and the high-yield savings account.
Some customers have reported issues with delayed access to funds, poor customer service, and unexpected fees. There have also been complaints about fraudulent transfers and a lack of protection for commercial business accounts.
