Texas Capital Bank Up To $600 Business Checking Bonus [TX] – Ends 3/31/25

If you’re a small business owner or managing a growing company, you know that every dollar counts. That’s why I’m always on the lookout for the best bank bonuses to share, and today, I’ve got a fantastic one for businesses based in Texas from Texas Capital Bank. It’s an Elite Business Checking cash offer that can earn you up to $600. Sounds too good to be true, right? But if you meet the qualifications, it’s all yours! Let’s break down the rules and how you can easily qualify for this bonus.

For those looking for more lucrative bank bonuses available to businesses nationwide, see our guide to the best bank bonuses here. Our favorites for businesses include BlueVine and Chase Business Complete, both offering cash bonuses for signing up.

Key Takeaways

• Open an Elite Business Checking account between October 1, 2024, and March 31, 2025.
• Perform qualifying activities from November 1, 2024, to June 30, 2025.
• Maintain a $5,000 daily balance and make 10 debit transactions of $1,500+ monthly to earn $200 each month.
• You can earn up to $600 if all qualifying activities are met for each statement period.

Texas Capital Bank Offer Details

• What you’ll get: Up to $600
• Where it’s available: TX
• How to earn it: Texas Capital Bank is offering a $200 cash reward each month from November 2024 through June 2025 if you meet a few simple requirements. You can earn up to $600 in total, but there are some details you’ll need to pay attention to. Here’s a breakdown of the rules:
  • Open Your Account: To be eligible for this bonus, you need to open an Elite Business Checking account between October 1, 2024, and March 31, 2025. After that, the clock starts ticking.
  • Maintain a $5,000 Daily Balance: For each participating statement period (that’s the period you’re actively earning the bonus in), you need to have a minimum daily posted balance of $5,000. It’s not that hard if you’re already running a healthy business checking account.
  • Make 10 Debit Transactions: The next requirement is to complete 10 debit transactions totaling at least $1,500 each statement period. This could be ACH payments, checks, or point-of-sale (POS) transactions. As long as you hit these numbers, you’re good to go.
• When it expires: 3/31/2025

READ MORE: GET TOP OFFERS FROM BMO, CIT and AXOS.

Waive The Monthly Fee

A $12 monthly fee is applicable, but it can be waived if you maintain an average collected balance of $1,500.

Qualifying Activities

Now, I’m sure you’re wondering what counts as qualifying activities. The transactions can include checks, ACH payments, or POS transactions, so don’t stress too much about hitting these numbers. If you’re regularly paying vendors or suppliers, you’ll likely meet this requirement without even thinking about it. Just make sure those transactions total at least $1,500 each month.

What Happens If You Don’t Meet The Requirements?

If you don’t meet the requirements in any given statement period, you won’t receive the $200 cash reward for that month. So, it’s super important to stay on top of these activities.

TRENDING DEAL:

Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.51% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.51% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.


Disclaimers:

The Annual Percentage Yield (APY) is accurate as of 10/3/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
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Up To 4.51% APY

Go to the deal

Fine Print

• Maintenance Period:
  • Begins the first statement month after the Deposit Period (30 days).
  • Lasts for three consecutive statement months thereafter.
  • Qualifying Welcome Bonus is calculated based on the total average monthly balance during the Maintenance Period.
  • If the average monthly balance drops below the minimum balance for a specific tier, eligibility for that Welcome Bonus tier is lost.
  • Lower bonus amounts may be applicable based on the average monthly balance during the Maintenance Period.
  • If the small business relationship average monthly balance is below $10,000 at the end of the statement during the Maintenance Period, no Welcome Bonus is received.
• Small Business Relationship:
  • Total balance from Select Business Checking, Elite Business Checking, Business Money Market, and Edge Business Savings accounts.
• Example of Eligibility:
  • Opened Elite Business Checking Account on May 15, 2023.
  • Funded Elite Business Checking Account on May 20, 2023.
  • Completed 10 posted Debit Card and/or ACH transactions in each statement month (July, August, and September).
  • Maintained the Small Business Relationship balance tier of $25,000.00 – $49,999.99 in each month of the Maintenance Period (July, August, and September).
  • Received a qualifying Welcome Bonus of $600.
• Terms & Disclosures:
  • To qualify for the Welcome Bonus:
    1. Open a new Select Business Checking Account or Elite Business Checking Account within the offer period of May 1, 2023, through August 1, 2023.
    2. Fund the checking account with $1,500 within 30 days from the account opening.
    3. Complete 10 posted Debit Card and/or ACH transactions per month during the Maintenance Period.
    4. Maintain a small business relationship average monthly balance of $10,000 or more during the Maintenance Period.
  • Welcome Bonus will be automatically received approximately eight (8) weeks after completing all qualifying activities.
  • Individuals with a current or past Texas Capital Bank deposit account within the prior six (6) months are not eligible for this offer.
  • Account must be open and in good standing at the time of fulfillment to be eligible.
  • Limit one Welcome Bonus per small business relationship, including all individual and joint accounts.
  • Welcome Bonus will be reported on the applicable IRS form.
  • Texas Capital Bank employees are not eligible for this offer.
  • Texas Capital Bank reserves the right to exclude participants for reasons including suspected fraud, misuse, or suspicious activities.
  • All promotional offers, products, and services offered by Texas Capital Bank are subject to updates, modifications, and/or termination.

READ MORE: GET CASH, POINTS AND MORE WITH THESE REFERRAL DEALS

Bottom Line

In my experience, bonuses like this one are great for businesses looking to boost their bottom line. Getting $200 each month for simply managing your business finances is a win-win! Texas Capital Bank isn’t the only one offering these kinds of rewards, but the rules here are pretty straightforward and achievable. If you’re already maintaining a decent balance and making regular payments, you’ll likely qualify without too much extra effort.

Just be mindful of the dates, and make sure you’re keeping up with the monthly requirements. After all, earning $600 isn’t something to pass up!

See more:

• Texas Capital Bank $500 Checking Bonus [TX] – Ended

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