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Business Checking

We offer a wide variety of Business Checking Accounts such as our Commercial Checking with Account Analysis or the Small Business Checking for businesses and organizations with basic checking needs.

If you're looking to earn interest check out our Capital NOW Account or the Capital Plus Tiered Money Market Account. And the Investors' Choice Money Market Account with higher interest rates is perfect for today's investor.

If you're an attorney in need of an IOLTA account, Capital Bank is a Prime Partner with the Texas Equal Access to Justice Foundation and we offer our Commercial NOW Prime Partner IOLTA Checking Account with a premium rate of interest based on the Federal Funds Rate. To check out the Texas Equal Access to Justice Prime Partner information, click here.

To see all of our available business services, click here.

Commercial Checking Account
  • Only $100 deposit to open account
  • Service charges are based on account activity
  • Low cost monthly & transaction fees can be offset by earnings credit
  • Cash Management services available for greater financial control
  • Convenience of imaged items included in monthly statements
  • Free notary services
  • Free 24/7-account access with Capital Bank's Capital Connection and Online Banking.
Capital NOW Business Checking Account*
  • Minimum $100 to open
  • Maintain $500 average daily balance to earn interest
  • Unlimited transactions with $2,000 minimum daily balance
  • No service charge with a minimum daily balance of $2,000, otherwise $12/month.
  • Current interest rate reported on monthly basis
  • Convenience of imaged items included in monthly statements
  • Free 24/7-account access with Capital Bank's Capital Connection and Online Banking.

*Limited to sole proprietors, certain non-profit organizations, individual and corporate fiduciaries and government agencies.

 

Small Business Checking Account
  • Perfect for the business or organization with basic checking needs
  • Only $100 to open account
  • No service charge with an average collected balance of $3,000, otherwise $12/month
  • Cash services fees apply.
  • Each month the first 200 transactions are free, small transaction fee afterwards
  • Free debit card
  • Complimentary check safekeeping, imaged items only $3/month
  • Free notary services
  • Free 24/7-account access with Capital Bank's Capital Connection and Online Banking.

 Capital Plus Tiered Money Market Account1

  •  Minimum $1,000 to open account
  • The higher the balance, the higher the interest rate paid
  • No service charge with a minimum daily balance of $2,500, otherwise $12/month
  • Free debit card
  • Convenience of imaged items included in monthly statements
  • Free notary services
  • Free 24/7-account access with Capital Bank's Capital Connection and Online Banking.

 Investors' Choice Money Market Account1

  •  Minimum $25,000 to open
  • Meets investment needs of large depositors
  • Rewards the larger balance investor with preferred returns
  • $25 monthly fee if average daily balance falls below $25,000
  • Provides a preferred return without locking up funds over a specific term
  • Free debit card
  • Convenience of imaged items included in monthly statementsFree notary services
  • Free 24/7-account access with Capital Bank's Capital Connection and Online Banking

Capital NOW IOLTA Checking Account 

  • Minimum $100 to open
  • Operating account required
  • Meets requirements of attorneys that must place their IOLTA accounts in eligible financial institutions
  • Pays a premium rate of interest based on the Federal Funds Rate
  • No service charge
  • Interest is accrued daily and paid monthly

 

1Money Market Accounts - $10.00 per withdrawal over three per statement cycle. Up to six (6) withdrawals or transfers to another Capital Bank account or third party allowed per statement cycle. These include preauthorized, automatic, telephone, electronic and transfers made by check, debit card, or other similar order.

 
 
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