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Personal Checking & Money Market

Products & Services

Capital Bank offers an assortment of checking, money market and NOW accounts; each offering unique and valuable benefits.  All of Capital Bank's Personal Checking and Money Market accounts are detailed below; however, here are some highlights of our most popular personal products and services:

The Capital Green Checking account includes unlimited check writing, eStatement, a free ATM/Debit Card, free notary services, free access to our Online Banking suite and much more. 

Looking to earn interest, but need to write checks or use the ATM often?  Our Capital Now Interest Bearing Checking account may be just for you, plus we'll waive our fees for you to use any other bank's ATM machine. Or the Investors' Choice Money Market account rewards the large balance investor desiring liquidity with preferred returns!

Included with all accounts is Capital Bank's Online Banking suite. You'll receive powerful Internet Banking that supports downloads of your transaction history directly into Intuit QuickBooks, Intuit Quicken and Microsoft Money along with the ability to make stop payments, make instant transfers between your accounts and more.

You will also receive the option to enroll in eStatements, giving you the ability to access over one year of exact duplicates of your statements, from any computer and at anytime.  

Another completely free service is our Premium Bill Pay, offering robust features yet easy to use!  Learn more about Capital Bank's powerful and 100% free Online Banking suite right here.


Checking and Money Market Accounts 
Product Features and Benefits

Capital Green Checking Account
  • No monthly service charge; Online Banking and eStatement required
  • Only $100 deposit to open account
  • Unlimited check writing
  • No per-check charges
  • Complimentary check safekeeping
  • Free Online Banking
  • Free eStatements
  • Free Bill Pay
  • Free Capital Connection (Telephone Banking)
  • Free Notary Services
  • Free Debit Card or ATM Card
Personal Checking Account
  • No monthly service charge with a minimum daily balance of $300, or monthly average balance of $1,000, otherwise $9/month
  • Only $100 deposit to open account
  • Unlimited check writing
  • No per-check charges
  • Convenience of imaged items included with monthly statement
  • Free Online Banking
  • Free eStatements and Combined Statements
  • Free Bill Pay
  • Free Capital Connection (Telephone Banking)
  • Free Notary Services
  • Free Debit Card or ATM Card
Capital NOW Interest Bearing Checking Account
  • No monthly service charge with a minimum daily balance of $1,000, otherwise $10/month
  • Only $100 deposit to open account
  • Maintain $500 average daily balance to earn interest
  • No Capital Bank ATM Fee if you use another financial institution's ATM!
  • Unlimited check writing
  • No per-check charges
  • Convenience of imaged items included with monthly statement
  • Free Online Banking
  • Free eStatements and Combined Statements
  • Free Bill PayFree Capital Connection (Telephone Banking)
  • Free Notary Services
  • Free Debit Card or ATM Card
Capital Gold Checking Account
  • A special account with valuable benefits for customers 55+
  • Only $100 deposit to open account
  • No monthly service charge regardless of minimum balance
  • Requires direct deposit (Such as paycheck, social security, etc)
  • Unlimited check writing
  • No per-check charges
  • Convenience of imaged items included with monthly statement
  • Free Online Banking
  • Free eStatements and Combined Statements
  • Free Bill Pay
  • Free Capital Connection (Telephone Banking)
  • Free Notary Services
  • Free Specialty Package wallet style checks (Limit one box per order)
  • Free rent for the first year on a 2x5 Safe Deposit Box
  • Free Debit Card or ATM Card
Capital Plus Tiered Money Market Account1
  • No monthly service charge with an average daily balance of $2,500, otherwise $12/month
  • Minimum $1,000 deposit to open account
  • The higher the balance, the higher the interest rate paid
  • Convenience of imaged items included in monthly statement
  • Free Online Banking
  • Free eStatements and Combined Statements
  • Free Bill Pay
  • Free Capital Connection (Telephone Banking)
  • Free Notary Services
  • Free Debit Card or ATM Card
Investors' Choice Money Market Account1
  • No monthly service charge with an average daily balance of $25,000, otherwise $25/month
  • Minimum $25,000 to open the account
  • Maintain $1,000 average daily balance to earn interest
  • Rewards the larger balance investor desiring liquidity with preferred returns
  • Convenience of imaged items included in monthly statement
  • Free Online Banking
  • Free eStatements and Combined Statements
  • Free Bill Pay
  • Free Capital Connection (Telephone Banking)
  • Free Notary Services
  • Free Debit Card or ATM Card

 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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