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Personal Banking
Personal Checking
| Free Checking | Capitol Checking | Capitol Plus Checking | Senior Checking | |
| Choose the account that is right for you… | A free checking account when you establish monthly direct deposit | An economical account which allows you to take advantage of balances in multiple accounts | An interest-earning account | A checking account with special benefits for customers age 55 and better |
| Free 24-hour Phone Banker | * | * | * | * |
| Free Online Banking | * | * | * | * |
| Free Combined Statements | * | * | * | * |
| Free Capitol Bank ATM3 | * | * | * | * |
| Free Check Safekeeping | * | * | * | * |
| Check Imaging Available | * | * | * | * |
| Unlimited Check Writing | * | * | * | * |
| Free Investment Center/Financial Planning | * | * | * | * |
| Overdraft Reserve Available1 | * | * | * | * |
| No Annual Fee VISA® Classic Credit Card1 | * | * | * | * |
| No Annual Fee VISA® Debit Card | * | * | ||
| Free Bill Pay | * | * | ||
| Earns Interest2 | * | |||
| Free Capitol Bank Logo Checks | * | |||
| Free Cashier’s Checks | * | |||
| Safe Deposit Box Discount | $15 discount with automatic billing | |||
| Minimum Daily Balance to Waive Monthly Maintenance Fee | None | $500 in Checking OR $1,000 in Savings, Money Market or Certificate of Deposit | $1,000 in Checking OR $2,000 in Savings, Money Market or Certificate of Deposit | None |
| Monthly Maintenance Fee4 | None | $7.00 plus $.30 per check written and $.30 per ATM withdrawal | $8.00 plus $.30 per check written and $.30 per ATM withdrawal | Direct deposit is required to waive $8.00 monthly maintenance fee |
Additional Account Information:
All checking accounts require a minimum of $100 to open.
Upon closing, applicable minimum balance requirements and maintenance fees will apply.
1 Subject to credit approval.
2 Interest on the Capitol Plus Checking account is compounded and credited monthly based on the Average Daily Balance Method. This is a variable rate and may change at the bank’s discretion without notice.
3 Free unlimited Capitol Bank ATM transactions up to your available balance; Owner of non-Capitol Bank ATM’s may charge a fee.
4 You must notify us if you wish to use combined deposit accounts or loan/line balances to
avoid monthly maintenance fees.
For additional details about deposit accounts, please refer to the Deposit
Account Brochure, current Deposit Rate Sheet or Fee Schedule, and the
Truth in Savings Disclosure. All of these resources are available at
any Capitol Bank office.