Personal Checking Accounts

Capitol Bank offers a variety of checking options to meet your needs. Choose the account that’s right for you!
All of our Checking Accounts include the following:
  • Free Online Banking, Electronic Statements, and Mobile Banking
  • Free Bill Pay
  • Free Capitol Bank ATM*
  • No Annual Fee Visa® Classic Credit Card*and Visa® Debit Card*
  • Unlimited Check Writing

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

Free Green Checking Account

A free checking account when you establish monthly direct deposit and eStatements.

  • No Monthly Maintenance Fee
  • Features included on all Checking Accounts can be found here

Capitol Checking Account

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

  • Monthly Maintenance Fee of $8.00 plus $0.30 per check written and $0.30 per ATM withdrawal
  • Fee Waived if: $500 in Checking OR $1,000 in Savings, Money Market or Certificate of Deposit
  • Features included on all Checking Accounts can be found here

Capitol Plus Checking Account

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

  • Check Imaging Available
  • Monthly Maintenance Fee of $12.00 plus $0.30 per check written and $0.30 per ATM withdrawal
  • Fee Waived if: $1,000 in Checking OR $2,000 in Savings, Money Market or Certificate of Deposit
  • Features included on all Checking Accounts can be found here

Senior Checking Account

A checking account with special benefits for customers age 62 or better

  • Check Imaging Available
  • Free Capitol Bank Logo Checks and Cashier’s Checks
  • $15.00 Safe Deposit Box Discount
  • Direct deposit required to waive $10.00 monthly maintenance fee
  • Features included on all Checking Accounts can be found here

Capitol Savings Account

Our standard savings account

  • $100 Minimum Opening Deposit
  • $200 Minimum Daily Balance To Waive Monthly Maintenance Fee
  • Monthly Maintenance Fee, if Below Required Balances $2.00 plus $2.00 per withdrawal over six
  • Interest Compounded and credited quarterly based on average daily balance; Variable interest rate
  • 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.
  • Quarterly statements; Monthly, if combined with a checking account

Cappy Minor Savings Account

A savings account designed especially for the kids

  • No Minimum Opening Deposit
  • No Minimum Daily Balance To Waive Monthly Maintenance Fee
  • No Monthly Maintenance Fee
  • Interest Compounded and credited quarterly based on average daily balance; Variable interest rate
  • 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.
  • Quarterly statements; Monthly, if combined with a checking account

Money Market Savings Account

An interest-bearing account based on current interest rates

  • $100 Minimum Opening Deposit
  • $2,500 Minimum Daily Balance To Waive Monthly Maintenance Fee
  • $10 Monthly Maintenance Fee, if Below Required Balances
  • Interest Rates based on tiered balances: 1st tier – $25,000 and under, 2nd tier – $25,000 and above. Interest compounded and credited monthly; Variable interest rate
  • 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.
  • Monthly Statements

Certificates of Deposit

We have several term lengths with competitive rates to choose from. View our current rates here.

  • $1,000 Minimum Opening Deposit
  • No Minimum Daily Balance
  • No Monthly Maintenance Fee
  • Fixed Interest Rate for the term of the certificate. Interest compounded and credited quarterly. Interest can automatically be transferred to another account. see current rates.
  • 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 10-day grace period. Notice given of approaching renewal and rate change.
  • Statements available upon request only; Monthly, if combined with a checking account

Savings and Investments

Our savings account options are designed to help you meet your short-and long-term financial goals.

All of our Savings Accounts include the following:

  • Free Online Banking
  • No Annual Fee Visa® Classic Credit Card*
  • Free eStatements
  • Free Mobile Banking

Get the exceptional value, convenience, and reliability of a personal VISA® Credit Card from Capitol Bank!

Choose from our VISA® Classic, *Classic Plus, or *Gold card. All Capitol Bank VISA® cards feature:
  • Flexibility – make purchases, pay bills, or get cash
  • Affordability – low interest rates and low or no annual fees
  • Convenience – Visa is accepted worldwide
  • Security – multiple layers of protection for you and your money
  • Access – view your account statement online from our web site

*Receives Reward Points (ScoreCard Bonus Points) Visit

www.scorecardrewards.com
.

Personal Loans

At Capitol Bank we offer a variety of consumer loans at competitive rates. Our simple application process and local decisions make it easy to get the money you need.

Home Equity Loans

Capitol Bank offers a variety of home equity loan options for your unique needs, and our experienced mortgage lenders will walk you through each step of the process.

Student Loans

For college expenses not covered by scholarships and federal loans, Capitol Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Personal Loans

Our low-rate personal loans are a great alternative to high-rate credit cards, and we offer a variety of terms to meet your needs.

Auto Loans

Whether you’re purchasing a new vehicle or want to save money by refinancing your existing auto loan, Capitol Bank can help!

Digital Banking

With our online banking product – Personal 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 in Personal Online Banking, login at the top of the page.

Personal Online Banking allows you to:

  • Check your account balances and activity
  • Transfer funds between accounts
  • Make loan payments
  • View 12 months of statement history
  • Create eAlerts
  • And much more

Enrollment

Apply Online. We’ll collect your account number and personal information, then we’ll be asking four multiple choice questions to verify your identity.

eStatements

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

Mobile Banking

The convenience of viewing your account balances, recent transactions, depositing checks, or transferring funds between accounts – all from your mobile phone.

Online Bill Pay

Paying your bills is quicker and easier than ever! Personal Bill Pay allows you to pay all your bills from a single, user-friendly website with just a few clicks of the mouse.

Alerts – Mobile & Email

Setup your own alerts based on parameters you decide. An Account Alert that has been fulfilled will generate a message that can be sent to you via email or text message.

Relationship / Retail Banking

Our Relationship Bankers are the main contacts with most of our customers. Learn more about Personal Services.

Learn about Private Banking tailored for professionals.