Gulf Capital Bank

Headquarters: Houston, Texas
Charter: Bank
Assets: $596.5M
Fed district: Dallas

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Wire Transfer (Domestic Out)
Gulf Capital Bank: $25
Gulf Capital Bank: $25
U.S. median: no median
Stop Payment
Gulf Capital Bank: $35
Gulf Capital Bank: $35
U.S. median: no median
Wire Transfer (Int'l Out)
Gulf Capital Bank: $50
Gulf Capital Bank: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Gulf Capital Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$15
per item
Dormant Account (audience not stated, treated as personal)No charge
Account Research Fee (per hour) (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (per month) (audience not stated, treated as personal)$10
per month

ATM & Card

ATM/Debit Card Replacement (audience not stated, treated as personal)$10

Wire Transfers

Domestic Wire Out (per wire) (audience not stated, treated as personal)$25
per item
Domestic Wire In (per wire) (audience not stated, treated as personal)$10
per item
International Wire Out (audience not stated, treated as personal)$50

Check Services

Cashier’s Check (per check)$5
per item
Cashier’s Check (per check)$15
per item
Stop Payment (per item) (audience not stated, treated as personal)$35
per item
Temporary Checks (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Consumer Bill PayNo charge
Zelle (consumer only)No charge

Cash & Deposit

Night Depository Enrollment Fee (audience not stated, treated as personal)$45
Night Depository Replacement Bag (audience not stated, treated as personal)$35
Night Depository Replacement Bag (audience not stated, treated as personal)$55
Not compared: Monthly charge, not per item
per month

Account Services

Notary (customers only) (audience not stated, treated as personal)No charge

Other Fees

Account Research Photocopies (per page) (audience not stated, treated as personal)$1
Not compared: Charged per page; comparison unavailable
per page
Statement Reprint (per statement) (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$15	per item	None
Dormant Account (audience not stated, treated as personal)	No charge	Not stated	None
Account Research Fee (per hour) (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (per month) (audience not stated, treated as personal)	$10	per month	None
ATM & Card
ATM/Debit Card Replacement (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfers
Domestic Wire Out (per wire) (audience not stated, treated as personal)	$25	per item	None
Domestic Wire In (per wire) (audience not stated, treated as personal)	$10	per item	None
International Wire Out (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Cashier’s Check (per check)	$5	per item	None
Cashier’s Check (per check)	$15	per item	None
Stop Payment (per item) (audience not stated, treated as personal)	$35	per item	None
Temporary Checks (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Consumer Bill Pay	No charge	Not stated	None
Zelle (consumer only)	No charge	Not stated	None
Cash & Deposit
Night Depository Enrollment Fee (audience not stated, treated as personal)	$45	Not stated	None
Night Depository Replacement Bag (audience not stated, treated as personal)	$35	Not stated	None
Night Depository Replacement Bag (audience not stated, treated as personal)	$55Not compared: Monthly charge, not per item	per month	None
Account Services
Notary (customers only) (audience not stated, treated as personal)	No charge	Not stated	None
Other Fees
Account Research Photocopies (per page) (audience not stated, treated as personal)	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Reprint (per statement) (audience not stated, treated as personal)	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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