Business Details
Your Trusted Local Bank in Houston, TX
Capital Bank operates as a locally focused financial institution dedicated to serving the needs of individuals and businesses in the Houston metropolitan area. With eight strategically located branches and a comprehensive suite of banking solutions, we provide personalized services that emphasize convenience, security, and community engagement. Our offerings include personal and business checking accounts, savings vehicles like IRAs, mortgage and home equity loans, commercial lending programs, and advanced digital banking tools including mobile check deposit and Zelle transfers. As an FDIC-insured institution, we maintain rigorous standards of financial stability while offering surcharge-free access to over 55,000 ATMs nationwide through the Allpoint Network.Our team of experienced bankers combines local market knowledge with modern financial technology to deliver tailored solutions that support both everyday banking needs and long-term financial growth. We demonstrate our commitment to customer satisfaction through specialized services like secure ZixMail communications, flexible loan payment options, and 24/7 digital access to account management tools. With a heritage of serving Houston communities since our founding, we continue to build relationships based on trust, transparency, and exceptional service quality.
Services
Personal Checking
Business Banking
Mortgage Loans
Commercial Lending
Online Banking
Mobile Deposit
Zelle Transfers
IRAs
Business Loans
ATM Access
Highlights and features
- We offer FDIC-insured accounts backed by U.S. government guarantees
- Access 55,000+ surcharge-free ATMs nationwide through Allpoint Network
- Provide secure digital banking with ZixMail encrypted communications
- Maintain 8 local branches with extended weekday service hours
- Specialize in Houston-area market knowledge for personalized solutions
Associations and certifications
- FDIC
Services
Personal Checking
Our personal checking accounts provide convenient money management solutions with features like mobile banking, Zelle transfers, and debit card rewards programs. Customers benefit from multiple access points including 8 local branches, 24/7 online banking, and surcharge-free ATM access across the country. Account options include standard and premium tiers with varying fee structures and benefit packages.
Business Banking
Capital Bank's business banking division offers specialized financial solutions for commercial clients including business checking accounts, cash management systems, and commercial lending programs. Services feature ACH origination, remote deposit capture, and customized payment solutions designed to meet the unique needs of Houston-area businesses while maintaining strict regulatory compliance standards.
Mortgage Loans
We provide comprehensive mortgage solutions including conventional loans, FHA/VA programs, and home equity financing options. Our lending specialists guide customers through the home buying process while offering competitive rates and personalized loan terms tailored to individual financial situations and homeownership goals in the Houston market.
Online Banking
Our secure online banking platform enables 24/7 account access with features like bill payment, fund transfers, eStatements, and real-time transaction monitoring. The mobile app adds convenience through mobile check deposit, card controls, and instant balance alerts while maintaining enterprise-grade security protocols to protect customer information.
Commercial Lending
Capital Bank offers diverse business loan products including term loans, lines of credit, equipment financing, and SBA-guaranteed programs. Our commercial lending team works closely with Houston-area businesses to develop customized financing solutions that support growth initiatives, operational expansion, and working capital requirements with flexible repayment terms.
Questions
What are Capital Bank's branch hours?
Most branches operate Monday-Thursday 9AM-4PM, Friday 9AM-6PM, and Saturday 9AM-12PM. Specific locations may vary - check individual branch details for exact hours.
How can I access my account online?
Visit our website and click 'Log into My Rewards' to enroll in online banking. You'll need your account details and valid identification to complete registration for 24/7 digital access.
Are my deposits FDIC insured?
Yes, all eligible deposit accounts at Capital Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum legal limits for consumer and business accounts.
Do you offer mobile banking services?
Yes, our mobile app provides check deposit, account management, bill payment, and real-time alerts. Download 'Capital Bank' from the App Store or Google Play for free access to these features.
What loan options are available for businesses?
We offer business term loans, lines of credit, equipment financing, SBA loans, and commercial real estate loans. Our lending specialists can help determine the best solution for your specific business needs.
How do I report a lost or stolen card?
Contact us immediately at (713) 675-2341 during business hours or use the secure messaging feature in online banking after hours to report lost/stolen cards and request replacements.
