Personal Checking

Capital Bank’s personal checking accounts provide a convenient way to access and manage your money.

Contact Us

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 $1,000, otherwise $10

Additional Requirements

None

Must be 55 or older and have Direct Deposit

None

Interest

None

None

Maintain $500 average daily balance to earn interest3 .

Other Benefits

None

150 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

 

Go To Top