Card Services

Simplify the way you do transactions with one of our many card services.

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MasterCard® Debit Card

Chip Cards 2017
  • Fast as cash
  • Use like a credit card
  • Money is deducted from your account
  • Safe – Capital Bank offers chip embedded cards that add a layer of protection against fraud for purchases made at the point of sale.


MasterCard® SecureCode

MasterCard® SecureCode™ is a service from MasterCard that provides added protection when you buy online. You choose your own personal MasterCard SecureCode and it is never shared with any merchant.

Register Now

Card Management

Control debit card usage and protect yourself against fraud by managing your cards using Capital Bank's mobile banking app.

  • Turn your debit card on and off
  • Establish transaction controls for dollar amount limits and merchant categories
  • Receive alerts when your debit card is used, approved, declined or exceeds the transaction controls set by you
  • Get real-time balances for your accounts

Rewards Cards

My Rewards™ Platinum and Gold Debit Card holders have access to a host of benefits such as bonus rewards, special offers like cash back, exclusive perks and prescription savings. Compare the benefits and select the card that’s right for you.

So much in one card! FREE 90 – DAY TRIAL1Use promo code CAPITAL90


My RewardsTM Gold Debit CardMy RewardsTM Platinum Debit Card

Earn Points for Everyday Purchases

3 Points per $100

5 Points per $100

Cash Back when Shopping Online2

Average of 3.5% Cash Back

Average of 5% Cash Back

Bonus Points for Online Purchases2

Average of 35 Bonus Points per $100

Average of 50 Bonus Points per $100

Emergency Roadside Assistance

1 event annually3

3 events annually3

Cell Phone Protection


2 claims annually5

 $100,000 Travel Accident Insurance

                                            Checkmark                                            Checkmark

VIP Customer Service



Expedited Card Replacement



Local Discounts & Coupons2



Prescriptions Savings



Extended Service Protection



Hotel & Car Rental Discounts2 

Checkmark Checkmark

Free My RewardsTM App4



Price Protection



Exclusive Rewards & Vacation Packages



Monthly Cost per Card



1 Fee applicable following advertised promotional period.
2 Cash Back & Bonus Point amounts & Program discounts & coupon values vary in the sole discretion of the applicable participating retailer or service provider.
3 Up to $100 per event.
4 For iPad®, iPhone® and Android™ devices. iPhone and iPad are trademarks of Apple, Inc., registered in the U.S. and other countries. Android is a Trademark of Google, Inc.
5 Up $500 per claim. $50 deductible per claim.
Please visit for card program terms and conditions. Consumers must (i) be at least 18 years of age, (ii) maintain a participating checking account at Capital Bank, and (iii) be current in the payment of all Program fees assessed to participate in My Rewards™ Card program.

Learn More & Enroll

ATM Cards

ATM cards are available on most consumer Capital Bank checking and savings accounts. Simplify your life with a Capital Bank ATM card.

ATM and Debit Card Support

Lost or stolen Capital Bank ATM or Debit Card? Suspect Fraudulent Activity?

To Report a Lost or Stolen Debit Card or for Debit Card Inquiries
Contact (713) 675-2341 – After Hours, select Option 2

Important Card Information

We have a number of systems in place to help minimize debit card fraud. If we suspect fraudulent transactions on your card, we must act quickly. If we cannot contact you via telephone or text messaging, we may temporarily stop access to your card to protect your account. We highly recommend utilizing our Card Valet product which lets you control debit card usage and protect yourself against fraud.

Two-Way Text Alerts                                                              


A text alert from us will always be from a 5-digit number. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as “yes”, “no”, or “stop”. We will never ask you to click a link. No enrollment is required; however, we must have a valid cell phone number on file, otherwise, customers will receive a telephone call from our debit card fraud department.

Fraud Department Telephone Alerts

A phone call from our institutions automated dialer will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm that you are the actual cardholder before reviewing your transactions.

If a voice call is received from our Call Center asking to verify transactions, no information will be requested other than the cardholder’s zip code, and a “yes” or “no” to the transaction provided.

If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly at 713-675-2341 or for after-hours service, select Option 2.

We will NEVER ask you for your PIN, the 3-digit security code on the back of your card, debit card number or social security number.

Travel Notices

Due to increases in international debit card fraud, Capital Bank has made the decision to block all Foreign Country debit card transactions.

To ensure uninterrupted use while traveling, call us and provide us with your travel information. If your card stops working while you are traveling, please call (713) 675-2341 – After Hours, select Option 2

Debit Card, ATM Card and Credit Card Usage Safety Tips

Free ATMs

Allpoint Logo

Capital Bank is a proud member of the Allpoint Network, providing access to over 55,000 surcharge free ATMs at your favorite retail locations, worldwide. Visit these Houston-area retailers: CVS/pharmacy®, Target®, Walgreens® , Kroger®, Costco® and Circle K®. Look for the Allpoint logo wherever you go.

ATM LocatorATM Machine Safety Tips

Gift Cards

Convenient Visa gift cards are on everyone’s wish list. Visa gift cards may be purchased in any amount between $25 and $500 and account information can be accessed 24/7.

The Visa gift card is a prepaid card that carries a fixed amount determined by the giver at the time the card is purchased. You may pay for purchases, either by signature or by PIN, anywhere Visa cards are accepted.

Purchase a gift card at any Capital Bank banking center today.

To verify balances or report a lost or stolen gift card, contact (800)-418-3971



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