CONSUMER CHECKING ACCOUNTS
The Great Demand
The Great Demand lets you enjoy an extra measure of value and service. Plus, when you maintain a $500.00 balance, there is no service charge.
Features and Benefits
- Your first order of The Capital Bank checks are free
- Free ATM card that can be used at SHAZAM network locations without a transaction service charge
- Free check/debit card *with approved credit
- ¼% discount on consumer loans
- Free cashier’s checks, traveler’s cheques and money orders
- There is a $6.00 service charge if you balance falls below $500.00
The Wise
The Wise account was created to meet the special needs of our customers who are 50 and older by offering a variety of benefits and cost-saving opportunities. When you maintain a $500.00 minimum daily balance, you earn interest.
Features and Benefits
- Your first order of The Capital Bank checks are free
- Free ATM card that can be used at SHAZAM network locations without a transaction service charge
- Free check/debit card *with approved credit
- Free cashier’s checks, traveler’s cheques and money orders
- No monthly service charge
The Free and Easy
The Free and Easy account is our most economical account and was created for our budget-conscious customers.
Features and Benefits
- Free teller transactions
- Free ATM card that can be used at SHAZAM network locations without a transaction service charge.
- No monthly service charge
The Demand the Best
The Demand the Best account lets you enjoy an extra measure of value and service with all the benefits of our “The Great Demand” account. Plus, when you maintain a $1,500.00 balance, there is no service charge.
Features and Benefits
- Your first order of The Capital bank checks is fee
- Free ATM card that can be used at SHAZAM network locations without a transaction service charge
- Free check/debit card *with approved credit
- ¼% discount on consumer loans
- Free cashier’ checks, traveler’s cheques and money orders
- Tiered rates available for accounts with higher balances
- Unlimited transactions
- There is a $10.00 service charge if your balance falls below $1,500.00
The Money Market
The Money Market account gives you high yielding money market rates. Plus, when you maintain a $1,500.00 balance, there is no service charge.
Features and Benefits
- Your first order of The Capital Bank checks is free
- Free ATM card that can be used at SHAZAM network locations without a transaction service charge.
- Free check/debit card *with approved credit
- Six transfers per month but only three may be third party checks. There will be a $10.00 charge for each additional transfer
- Free cashier’s checks, traveler’s cheques and money orders
- Tiered rates available for accounts with higher balances
- There is a $15.00 service charge if your balance falls below $1,500.00
The Overdraft Checking
The Overdraft Checking account offers “Bounce-Protection” checking
Features and Benefits
- $500.00 Overdraft Privilege
- Insufficient items paid up to overdraft limit with a $28.00 charge per insufficient item
- Free ATM card that can be used at SHAZAM network locations without a transaction service charge
- Free check/debit card *with approved credit
- Additional requirements must be met
- There is a $10.00 per month service charge
CONSUMER SAVINGS
The Capital Savings
The Capital Savings account is another feature of our “Hometown Banking” services.
Features and Benefits
- Savings Passbook available
- $100.00 minimum balance to open account
- Interest is paid quarterly on the collected balance
- Six free withdrawals per quarter (2 per month) with a .50 service charge for each additional withdrawal
- There is a $3.00 per quarter service charge if your balance falls below $100.00
BUSINESS CHECKING
Business of Checking
The Business of Checking account is an analyzed, non-interest bearing checking account with unlimited activity.
Features and Benefits
- Earning credit based on our 30 day CD rate
Credit .10
Debit .10
Local .10
Foreign .10
- Monthly bank statements that reflect account activity
- Visa and MasterCard merchant set up available
- With a positive earnings credit you will have no monthly service charge
- Reserve requirement 3%
The Power Sweep
The Power Sweep Account was created exclusively for our customers who have larger balances
Features and Benefits
- Earn Money Market rates on overnight repurchase agreements
- Funds in accounts are secured by government securities and collateralized at 105%
- Daily confirmation notices delivered by fax or mail
The Money Market
The Money Market account gives you high yielding money market rates. Plus, when you maintain a $1500.00 balance, there is no service charge.
Features and Benefits
- Your first order of The Capital Bank checks is free
- Six transfers per month but only three may be third party checks. There will be a $10.00 charge for each additional transfer
- Free cashier’s checks, traveler’s cheques and money orders
- Tiered rates available for accounts with higher balances
- There is a $15.00 service charge if your balance falls below $1,500.00
SAFE DEPOSIT BOXES
The Capital Bank offers safe deposit boxes at both location in the following sizes and prices:
- 3 X 5 - $25.00 annually
- 3 X 10 - $50.00 annually
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