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# Personal

#### Banking Made Simple, Smart, and Completely Digital

Texas Capital Bank’s Personal Banking is designed for individuals who want full control of their financial life.
We provide secure, modern tools that help you spend, save, plan, and grow—all from your phone or computer.

Whether you’re managing daily expenses, saving for future goals, or tracking your financial habits, our personal banking services make everything effortless and secure.

#### WHAT PERSONAL BANKING INCLUDES

#### 1. Digital Current Account

Manage your everyday financial activities with a fast, secure online account.

Features

- Instant transfers and payments

- Real-time balance updates

- Transaction alerts and spending insights

- Easy bill payments

- Seamless mobile and web access

#### 2. Savings Accounts

Grow your savings with competitive rates and automated tools designed to help you reach your goals.

Includes

- High-yield savings options

- Auto-save rules (round-ups, scheduled transfers, percentage savings)

- Goal-based savings wallets

- Interest paid monthly

#### 3. Virtual & Physical Debit Cards

Access your money globally with secure, modern card options.

Benefits

- Virtual cards for online purchases

- Physical cards for everyday spending

- Contactless payments

- Worldwide ATM access

- Spending limits and card freeze/unfreeze options

#### 4. Mobile & Internet Banking

Control your finances anytime with our secure, intuitive digital platforms.

What You Can Do

- Check balances

- Transfer money

- Pay bills

- View statements

- Manage cards

- Track spending

- Receive alerts

Everything is synchronized in real time for convenience and transparency.

#### 5. Personal Loans

Get access to flexible financing designed to support your life goals.

We Offer

- Quick personal loans

- Emergency loans

- Education loans

- Auto financing

- Debt consolidation loans

Benefits

- Fast online applications

- Competitive rates

- No hidden fees

- Flexible repayment options

#### 6. Budgeting & Financial Planning Tools

Smart tools help you understand your spending habits and plan better.

Includes

- Spending categories

- Monthly budgeting

- Financial insights

- Savings recommendations

- Expense tracking charts

All powered by intelligent analytics.

#### 7. Bill Payments & Subscriptions Management

Pay your bills and manage recurring subscriptions effortlessly.

Supported

- Utilities

- Internet services

- Mobile top-ups

- Streaming platforms

- Insurance payments

You can activate automatic payments or make one-time payments instantly.

#### 8. International Transfers

Send and receive money globally with competitive rates and fast processing.

Features

- Low transfer fees

- Transparent exchange rates

- Quick settlement

- Tracking for every transaction

#### 9. Customer Support (24/7)

A dedicated support team is always available to assist with your personal banking needs—via live chat, email, or phone.

#### WHY CHOOSE OUR PERSONAL BANKING

#### Fully Digital Convenience

Open and manage your account anytime, without paperwork or branch visits.

#### Advanced Security

Protected by encryption, biometric login, multi-factor authentication, and real-time fraud monitoring.

#### Real-Time Banking

All activities—payments, transfers, card controls—update instantly.

#### Transparent Fees

Clear pricing with no hidden charges or confusing terms.

#### Smart Financial Tools

AI-powered insights help you manage your money smarter and reach your financial goals faster.

#### Fully Digital Convenience

Open and manage your account anytime, without paperwork or branch visits.

#### HOW PERSONAL BANKING WORKS

#### 1. Open Your Account

Register online, verify your identity, and get instant access.

#### 2. Activate Your Digital Tools

Set up your mobile banking app, virtual card, and savings goals.

#### 3. Start Banking Instantly

Send money, pay bills, save, track spending, and access all features immediately.

#### 4. Upgrade as You Grow

Get access to loans, premium cards, and additional financial tools as your profile builds.

#### Our Security Promise

Your safety comes first. Texas Capital Bank uses multiple layers of security—including encryption, fraud monitoring, and secure cloud infrastructure—to protect your money and data.

Security Features

- End-to-End Encryption

- Biometric Login

- Transaction Alerts

- Secure Virtual Cards

- Daily System Monitoring

#### START YOUR DIGITAL BANKING JOURNEY

Join thousands of users who trust Texas Capital Bank for safe, simple, and smart personal banking.
Register Now
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