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Last Updated: 01/21/2026

Capital Bank Capital Checking Account

from Capital Bank Of Texas

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Maintenance Fee

Starting at $10(Verified 01/21/2026)

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Capital Bank Capital Checking Account Review

The Capital Bank Capital Checking Account is offered by Capital Bank Of Texas, a bank founded in 1965 and based in Houston, TX. Capital Bank Capital Checking Account is available in 1 state.

Key Takeaways

$100 minimum opening deposit. This is a typical minimum initial deposit.
No ATM fees. Capital Bank Capital Checking Account does not charge fees on ATM transactions .
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Capital Bank Of Texas mobile or online banking.

Capital Bank Capital Checking Account Pros & Cons

Pros

Cons

Access to physical branches.
Debit card

No signup bonus.
Does not earn interest.
Does not offer mobile check deposits.
Does not provide access to a nationwide ATM network.
Only available in one state.
Monthly service charge .

Capital Bank Capital Checking Account FAQ

Are checking accounts from Capital Bank Of Texas federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Capital Bank Capital Checking Account offer?

Capital Bank Capital Checking Account is not an interest-bearing account.

What are the account minimums for Capital Bank Capital Checking Account?

Capital Bank Capital Checking Account requires a minimum initial deposit of $100.

Capital Bank Capital Checking Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $1,000

Minimum Balance to Earn APY

Minimum Opening Deposit

Starting at $100

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $5,000

What fees does Capital Bank Capital Checking Account charge?

Capital Bank Capital Checking Account Fees

Description

Monthly Maintenance Fee

Starting at $10

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

Overdraft Item Fee

Starting at $35

Returned Deposit Fee (Domestic)

Starting at $10

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $35

Wire Transfer Fee - US Domestic (Incoming)

Starting at $10

Does Capital Bank Capital Checking Account charge overdraft fees?

Yes, Capital Bank Capital Checking Account charges a $35 fee for every overdraft.

What features and perks does Capital Bank Capital Checking Account offer?

This account includes the following features:

Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Capital Bank Capital Checking Account allows you to manage your money online or with a mobile app.

What is the customer support email for Capital Bank Capital Checking Account?

The customer support email for Capital Bank Capital Checking Account is customerservice@capitalbanktx.com.

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Message from Capital Bank Capital Checking Account

Capital Bank’s personal checking accounts provide a convenient way to access and manage your money.

Contact

Headquarters

10304 I-10 East, Houston, TX 77029

Houston, TX 77029

Visit Site

Email Support

Hours of Operation

Sunday12:00AM - 12:00AMMonday9:00AM - 4:00AMTuesday9:00AM - 4:00AMWednesday9:00AM - 4:00AMThursday9:00AM - 4:00AMFriday9:00AM - 6:00AMSaturday8:00AM - 12:00PM

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

Starting at 0.03%

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Monthly Service Fee

Starting at $10

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.