Improve the efficiency of your business

As a local bank we do more than just lend and hold your money. We provide end-to-end solutions to help your business finances flow smoothly. We offer products in online banking, collection/receivables, disbursement/payment, fraud protection, and more.

 Collection and Receivables

Courier Service

We know that your top priority is running your business. That’s why we are proud to partner with Special Deliveries to provide you with a courier service to meet your business needs. A Special Deliveries driver can make scheduled visits to your business, and bring your deposits back to the bank. This saves you time and money, helps make your funds available faster, lets you decide the pick up and delivery schedule, helps your business avoid overdrafts, and provides secure transport for all your banking transactions.

Lock Box

Our lock box service is a Post Office Box accessible by the bank. When you establish lock box service, your customers send their payments directly to the designated Post Office Box. The bank collects and processes these payments, depositing them directly to your account.

Merchant Card Processing

Expand your customers’ payment options, simplify your business operations, and increase revenue with merchant card processing services from Capitol Bank and

. Our merchant services enables your business to accept credit cards, debit cards, electronic checks, gift cards and more. To have our dedicated Account Executive contact you regarding our products and services,

please complete this short form

 Disbursement and Payment


A wire transfer is the fastest way to send funds from one bank account to another. Visit our Resources page for Wire Instructions.

Gift Cards

Visa® Gift cards are the perfect gift for employees or customers anytime of year.

Payroll/Direct Deposit

Capitol Bank and

TruPay Corporation
have teamed up to provide you with comprehensive employee benefit solutions. As partners, we offer peace of mind by providing solutions to meet all your financial needs; payroll processing, tax administration, integrated report writer with over 50 standard reports, on-screen check history, pre-processing reporting (gross to net), history retained for reporting, copies of your tax reports to your CPA at no charge.

 Online Banking

Remote Deposit Capture

Remote Deposit Capture saves your business time and money by allowing you to scan checks and make deposits directly to your account without leaving your office. Just three easy steps are all you need to know; SCAN both sides of a check in a single pass with your desktop scanner, SEND the deposits to Capitol Bank through a secure internet connection, DEPOSIT funds electronically into your account at Capitol Bank

ACH Origination – Inbound

Electronic movement of funds directly to your bank account. Automated Clearing House (ACH) payments allow you to reduce or eliminate the use of paper checks to collect routine payments. The ACH system can process large volumes of individual payments electronically and is frequently used for payroll, recurring bill payments, Social Security benefits, insurance premiums, consolidation of corporate cash balances and the like.

ACH Origination – Outbound

Automated Clearing House (ACH) payments allow you to reduce or eliminate the use of paper checks to make routine payments. The ACH system can process large volumes of individual payments electronically and is frequently used for payroll, recurring bill payments, Social Security benefits, insurance premiums, consolidation of corporate cash balances and the like.

Export Activity

Export your activity for use with external services.


Eliminate paper and simplify your life with eStatements. When you sign up for eStatements, your monthly account statement will be delivered to you via your Online Banking account. The benefits of eStatements are plentiful. Receive your statements faster – no more waiting for them to arrive in the mail. Eliminate paper clutter. You can download your eStatements to your computer or login to view several month’s worth of statements. Rest assured that your financial information is safe – no more worries about your statements getting lost in the mail. Our Web site is safe and secure. Access your statement anytime via Online Banking from any computer with Internet access.

Signing up for eStatements is easy! For our Personal customers, simply sign into your online banking account and click Options at the top of the page, then navigate to the bottom of the page to find ‘eStatement sign up’. For our Business customers, please call a personal banker at 608-836-1616.

Business Bill Pay

Paying your bills is quicker and easier than ever! Business Bill Pay allows you to pay all your bills from a single, user-friendly website with just a few clicks of the mouse. Features of Business Bill Pay include: pay an unlimited number of bills, control when individual bills get paid, schedule one-time or recurring payments, access or print transaction histories & pending payments.

 Fraud Protection

ACH Blocker

Limit who can automatically debit your account electronically as a fraud prevention measure.

Safe Deposit Boxes

Keep your belongings secure in our state of the art vault.

Positive Pay

Positive Pay is one of the most effective anti-fraud tools available today for check disbursements. Using check issuance data, the bank matches all checks being presented for payment against the issuance information. The issuance information is updated daily as checks are issued and paid. If a check serial number and dollar amount match the issuance record, the check is paid automatically. If there is a discrepancy, the check is reported as an exception and is not paid without permission of the client. While Positive Pay cannot protect against all fraud, it is a powerful protection measure.

 Other Services

  • Zero Balance Accounts
  • Sweep Accounts
  • Account Analysis
  • ICS – Insured Cash Sweep
  • Repurchase Agreements
  • CDARS – The Certificate of Deposit Account Registry Service (CDARS) is a convenient way to enjoy full FDIC insurance on deposits of up to $50 million. When you place your deposit with Capitol Bank, we place your funds into certificates of deposit issued by banks in the CDRS network. This occurs in increments of less than the standard FDIC insurance maximum to ensure that both principal and interest are eligible for full FDIC insurance coverage.

Employee Feature

“I enjoy working with my business customers, especially getting to know them personally, and focusing on their specific banking needs.”

Kari Harpold, who joined us in May of 2014, brings with her 18 years of banking experience, and a solid background in business banking. She believes in growing strong relationships with her customers. Kari graduated from UW Stevens Point with a major in business administration and a finance emphasis.

Kari Harpold

Kari Harpold

Treasury Management Officer

Contact Us

Interested in Business Services?

Contact Us

Savings & Investment

Review the different types of accounts we offer.


Need a Loan?

Take a look at the different types of loans we offer.

Learn More