Account Types

Capitol Bank is your full-service financial partner. No matter where you are in your financial life, we offer an array of products and services that make sense for you. You'll also get the outstanding personal attention you deserve – every day at Capitol Bank.

View the Personal Accounts Brochure

Checking

Capitol Bank offers a variety of checking options to meet your needs. Choose the account that’s right for you.

To open your account online click here.  Please contact a personal banker for any questions. To make it easy to bank with us, use our Quick Switch Kit.

Free Green Checking Account

This flexible account is designed for our tech-savvy customers. Your account includes free debit card, Online Banking, eStatements, and direct deposit.

  • Free 24-hour Phone Banker
  • Online Banking required
  • eStatements required
  • Free ePay and eMobile available
  • Unlimited check writing
  • Debit card with no annual fee

Capitol Checking Account

This economical account allows you to take advantage of balances in multiple accounts.

  • $500 balance in checking or $1,000 in savings, or $8.00 monthly fee and $.30 per check or ATM withdrawl
  • Free Online Banking, ePay, eStatements, and eMobile available
  • Debit card with no annual fee
  • Free check safekeeping
  • Unlimited check writing

Capitol Plus Checking Account

This interest-earning account lets you put your money to work!

  • $1000 balance in checking or $2,000 in savings, or $12.00 monthly fee and $.30 per check or ATM withdrawl
  • Free Online Banking, ePay, eStatements, and eMobile available
  • Debit card with no annual fee
  • Free check safekeeping
  • Unlimited check writing

Senior Checking Account (Capitol Club)

This checking account offers special benefits to customers age 55 and better – and when you establish direct deposit we’ll waive the $8 monthly maintenance fee! To find out more about the Capitol Club click here.

  • Direct deposit is required to waive $8.00 monthly maintenance fee
  • Free Online Banking, ePay, eStatements, and eMobile available
  • Debit card with no annual fee
  • Free check safekeeping
  • Unlimited check writing

*Free unlimited Capitol Bank ATM transactions up to your available balance; owners of non-Capitol Bank ATMs may charge a fee.

**VISA card issuance subject to credit approval. 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.

A $100 minimum deposit is required to open your account. Upon opening, applicable minimum balance requirements and maintenance fees will apply.

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.

Savings

Our savings account options are designed to help you meet your short-and long-term financial goals. Choose the savings account that’s right for you! Please contact a personal banker for any questions. To make it easy, use our Quick Switch Kit.

Capitol Savings

Our Capitol Savings account offers you easy access to your funds. This account features:

  • $200 minimum daily balance to waive monthly fee*
  • Interest is compounded and credited quarterly based on average daily balance**

Cappy Cat Kid's Club - Minor Savings

Check out our 2013 Coloring Contest winners here!

It’s never too early to teach kids the value of saving, and our Cappy Cat Kid's Club savings account is a great way to start! Cappy account-holders receive rewards for smart saving, invitations to exciting events and special interest rates. Additional benefits of this account include:

  • No minimum opening deposit
  • No minimum daily balance required
  • No monthly fee
  • Interest is compounded and credited quarterly based on average daily balance**

Money Market Savings

With a Money Market account from Capitol Bank, you’ll earn more interest than a traditional savings account while still having easy access to your money. This account features:

  • $2,500 minimum daily balance to waive monthly fee***
  • Interest rates based on account balance****

Additional Information

* If balance falls below minimum requirement, $2, plus $2 per withdrawal over six, will be assessed.

** This is a variable rate and may change at the bank’s discretion without notice.

***If balance falls below minimum requirement, $10 fee will be assessed.

****First tier - $25,000 and under; second tier - $25,000 and above. Interest is compounded and credited monthly; variable interest rate may change at the bank’s discretion without notice.

A $100 minimum deposit is required to open all savings accounts with the exception of the Cappy Cat Kids' Club account.

Federal Reserve Regulation D limits the total number of transfers made by check and 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. A maximum of six (6) of these may be made by check, draft or check card.

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.