Personal Checking Account Benefits

  • Unlimited Transactions

  • Unlimited Check Writing

  • Unlimited Withdrawals

  • Free Online Banking

  • Free Mobile Banking

  • Free Mobile Deposits
  • Free Bill Payment
  • Free eStatements
  • Access to over 55,000 surcharge free ATMs worldwide
  • Capital Bank MasterCard® Debit Card
  • Capital Bank ATM Card
  • Free Telephone Banking with Capital Connection

Capital Bank Personal Checking Accounts Comparison Chart

Accounts

Capital Checking

Capital Gold

Capital NOW

Monthly Service Fee

$10

 

Receive a $10 credit back each statement cycle with one of these four (4) options:

 

  • 15 or more posted debit card purchases/payments1 , OR

  • Direct deposit(s)2 totaling $500 or more, OR

  • $1,000 minimum daily balance, OR

  • Combined average daily deposit balance of $5,000 with a personal Capital Bank checking account(s), money market account(s), savings account(s) or certificate(s) of deposit.

None

No service charge with a minimum daily balance of $2,000, otherwise $15

Additional Requirements

None

Must be 55 or older and have Direct Deposit

None

Interest

None

None

Maintain $2,000 average daily balance to earn interest3 .

Other Benefits

None

FREE Specialty Package Wallet style checks (limit one box per order).
Free rent for the first year on a small safe deposit box 2x5 or 3x5 if available.

None

Paper Statement

$3

None

None

Minimum to Open

$100

$100

$100

Miscellaneous Fees

1 15 or more posted Capital Bank Debit card purchases/payments each statement cycle.

›Included: Debit card purchases include PIN, signature, online and phone purchases that post during the statement cycle. Debit Card payments include one-time and recurring payments of bills made with your debit card that post during the statement cycle.

›Not Included: Any transaction at any ATM and ACH (Automatic Clearing House) transactions.

›Transactions received after the applicable cut-off time or on a non-business day (Saturday, Sunday and federal holidays) are posted the next business day.

2 A qualifying direct deposit is monthly income electronically deposited via ACH (Automated Clearing House) to this checking account. Transfers from one account to another, or deposits made at a banking center, ATM, or through mobile deposit do not qualify as a direct deposit.

3 Interest is accrued daily and paid monthly