Business Loans

We realize each business has unique needs. Our talented and creative bankers have the expertise needed to tailor a loan package specifically for your business. Capitol Bank  prides itself on local Madison decision making for loan approval.
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Term Loans & Lines of Credit

Whether you need funds for equipment, vehicles, a renovation project, or a new building, we offer term loans to provide you with the credit you need
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Commercial Real Estate Loans

Commercial real estate loans are available for new construction, acquisition of existing real estate, or refinancing purposes.
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Equipment Leasing

Leasing equipment offers your business a competitive edge by minimizing tax liability, conserving credit and capital, and protecting against equipment obsolescence.

Commercial Lending Group

Our team of lenders are here to consult on your business. We go beyond simply providing loans. We’re here to gain a deep understanding of your business to ensure we’re providing the most appropriate solutions to your needs. Contact Us to learn more.

Digital Banking

With Business Online Banking managing your finances is easy. You’ll have access to your accounts any time, from any computer with an Internet connection. If you are already enrolled, login at the top of the page. If you are already enrolled in Personal Online Banking, login at the top of the page.

Business Online Banking allows you to:

  • Check your account balances
  • View account activity
  • Transfer funds between accounts
  • Make loan payments
  • Pay your federal taxes
  • Download financial information to your personal money management software
  • Stop Payments
  • External funds transfers
  • ACH Batch file transfers
  • Federal tax payments
  • Positive pay file transfers

Enrollment

Contact us to Enroll in Online Banking for business. We’ll get you setup with the modules and user access that make sense for you.

eStatements

Electronic version of your printed statement accessible through Online Banking, with a notification emailed to you every month.

Transfer Funds With ACH

Electronic movement of funds directly to and from your bank account.

Business Bill Pay

Pay all your bills from a single, user-friendly website.

Remote Deposit Capture

Deposit checks directly to your account without leaving your office.

Capitol Business Savings Account

Receive competitive interest rates and avoid a monthly maintenance fee with a low minimum balance requirement. Capitol Business Savings Account:

  • $200 minimum opening deposit
  • $200 minimum daily balance requirement
  • Monthly maintenance fee – $5 plus $2 per withdrawal over six
  • Interest Compounded and credited quarterly based on average daily balance. Variable interest rate.
  • Free monthly eStatements (paper statements $4 per month, per statement)
  • Withdrawals: Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.
  • Features included on all Business Savings Accounts can be found here

Community Savings Account

This is a savings account designed for nonprofit businesses with a low minimum balance requirement

  • $200 minimum opening deposit
  • $200 minimum daily balance requirement
  • Monthly maintenance fee – $5 plus $2 per withdrawal over six
  • Interest Rates based on tiered balances: 1st tier under $10,000, 2nd tier $10,000 and above. Interest compounded and credited quarterly; Variable Interest rate.
  • Free monthly eStatements (paper statements $4 per month, per statement)
  • Withdrawals: Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.
  • Features included on all Business Savings Accounts can be found here

Business Money Market Account

This variable-rate account for all businesses offers limited check writing and a competitive market rate of interest

  • $200 minimum opening deposit
  • $2,500 minimum daily balance requirement
  • Monthly maintenance fee – $10
  • Interest Rates based on tiered balances: 1st tier under $25,000, 2nd tier $25,000 and above. Interest compounded and credited quarterly; Variable Interest rate.
  • Free monthly eStatements (paper statements $4 per month, per statement)
  • Withdrawals: Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.
  • Features included on all Business Savings Accounts can be found here

Business Certificates of Deposit

Certificates of deposit have flexible terms and are perfect for time-specific savings or low-risk investments

  • $1,000 minimum opening deposit
  • No minimum daily balance requirement
  • No monthly maintenance fee
  • Fixed interest rate for the term of the certificate. Interest compounded and credited quarterly. Interest can automatically be be transferred to another account.
  • Available upon request only. Monthly, if combined with a checking account.
  • The penalty we may impose will equal seven (7) days’ interest on the amount withdrawn within the first six days after deposit
    OR
    3% of the amount withdrawn if the withdrawal is made after the sixth (6) day following the date of deposit or renewal. Automatically renewed at current interest rate with a ten-day grace period. Notice given of approaching renewal and rate change.
  • Features included on all Business Savings Accounts can be found here

Savings and Investments

Our savings account options are designed to help you meet your short-and long-term financial goals.
  • Capital Business Savings
  • Community Savings
  • Business Money Market Investment
  • Business Certificates of Deposit

*Compare Plans for details and disclaimers on all account types.

Business Checking Accounts

Capitol Bank offers a variety of business checking accounts – one of which is sure to meet the needs of your business. All of our accounts include:
  • Free Online Banking
  • Free Access to Select Wisconsin ATMs*
  • Visa® Business Credit* & Debit* Cards Available
  • Free Monthly eStatements* (paper statements $4/month per statement)

*Compare Plans for details on all account types.

Free Business Checking Account

Designed for businesses that don’t want to pay fees. Free Business Checking offers:

  • No monthly maintenance fee
  • 50 free transactions ($0.40 per item over 50)*
  • Check Images Not Available
  • Features included on all Business Checking Accounts can be found here

Business Checking Account

The best value if your business conducts a limited amount of transactions and you want a low monthly maintenance fee. Business Checking offers:

  • $12 monthly maintenance fee
  • Images of checks
  • 150 free transactions ($0.40 per item over 150)*
  • Features included on all Business Checking Accounts can be found here

Corporate Checking Account

A flexible account if you have higher activity needs. Earn credit on your balance to offset some or all of your activity charges. Corporate Checking offers:

  • Monthly maintenance fee – $16 (with check images), $14 (without check images)
  • Images of checks
  • Rates based on tiered balances: 1st tier: under $25,000, 2nd tier: $25,000-$100,000, 3rd tier: above $100,000
  • No Transaction Limits – Transactions are charged per instance as outlined in the Comparison Chart.
  • Features included on all Business Checking Accounts can be found here

Community Checking Account

Low-cost checking account for nonprofit businesses that features a unique earnings credit to offset fees and maximize earning potential. Community Checking offers:

  • No monthly maintenance fee
  • Excess earnings credit goes right to your bottom line*
  • Images of checks
  • No Transaction Limits – Transactions are charged per instance as outlined in the Comparison Chart.
  • Features included on all Business Checking Accounts can be found here

Business Services

Capitol Bank offers a broad suite of products to help your business run smoothly. Whether managing collections, disbursement, fraud protection, online banking, or other services, we are continually adding to our tool set.

Courier Service

Rich Stuard from

Special Deliveries
makes scheduled visits to your business, and brings deposits back to Capitol Bank.

Remote Deposit Capture

We’ll install a scanner at your place of business, use it to deposit checks without visiting the bank.

Remote Deposit Capture

Scan checks and make deposits directly to your account from a desktop scanner located at your business.

Other Services

  • Treasury Management
  • Merchant Card Processing
  • Courier Service
  • Remote Deposit
  • Payroll Service
  • Electronic Payment Options
  • Safe Deposit Boxes

Organize your business expenses and enjoy worldwide acceptance with a VISA® Business Credit Card.

Using a Capitol Bank VISA® Business Credit Card gives you the ability to separate personal and business expenses.
  • Flexibility – Make purchases, pay bills or get cash
  • Affordability – Low interest rates
  • Convenience – Visa is accepted worldwide
  • Security – Multiple layers of protection for you and your money
  • Access – View your account online anytime, day or night

Get In Touch

Let’s start a conversation.

Learn more about Business Loans from Capitol Bank.