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Business Banking
It's good to have a bank that knows business.
It's better to have a bank that knows your business — and your market.
At Capital Bank, you get local service and fast decisions from people who know your community...and want to see every business in the community succeed.
To make that happen, we offer an array of business banking products and services. Please explore this section of our site for the business solutions that will help you grow.
Checking
What kind of business checking account do you need? Whether you're for-profit or not-for-profit, whether you write dozens of checks or just a few, Capital Bank can make business checking both easy and cost-efficient for your organization.
| | Capital Business Checking | Analyzed Business Checking* | Capital Non-Profit
NOW |
Free Transactions
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First 200 free ($0.25 per transaction thereafter) |
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Monthly fees/
minimum balances |
Average daily balance under $1,000:
$12.00 fee
Average monthly balance under $1,000:
$0.25/transaction
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Maintenance fee of $12.00 per month
A variable-rate earning allowance is used to offset service charges |
Average daily balance under $1,000:
$15.00 fee
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Business Banker & e-Statements available
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Yes |
Yes |
Yes |
| Other features |
Remote Deposit Capture
available.
Electronic transfer between Capital Bank and/or non-Capital Bank accounts. |
Remote Deposit Capture available.
Electronic transfer between Capital Bank and/or non-Capital Bank accounts. |
Remote Deposit Capture available.
Electronic transfer between Capital Bank and/or non-Capital Bank accounts. |
*Activity fees: $0.16/check, $0.12/deposited item
Fees may reduce earnings.
Rates are subject to change daily.
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Savings & Money Market Accounts
| | Business Savings | Capital Privilege Business
Money Market |
Interest
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Interest-rate is earned and tiered at the following levels:
-Less than $25,000
-$25,000-$99,999.99
-$100,000-$199,999.99
-$200,000-$499,999.99
-$500,000 and over |
Interest-rate is earned and tiered at the following levels:
-Less than $25,000
-$25,000-$99,999.99
-$100,000-$199,999.99
-$200,000-$499,999.99
-$500,000 and over |
Monthly fees/
minimum balances |
Fee of X if average daily balance falls below X
|
No monthly service charges
|
Business Banker & e-Statements available
|
Yes |
Yes |
| Other features |
In accordance with Regulation D, check writing is limited to 6 per month. Electronic or telephone transactions are limited to 6 per month, and/or any combination of the two not to exceed 6 per month. $3.00 per check fee assessed for each item written after 6th check |
In accordance with Regulation D, check writing is limited to 6 per month. Electronic or telephone transactions are limited to 6 per month, and/or any combination of the two not to exceed 6 per month. $3.00 per check fee assessed for each item written after 6th check
Check images returned, at no charge, with your monthly statement
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CDs
Flexibility is the best word for Capital Bank CDs. Our terms range from seven days to five years, and you can even withdraw the interest every month!
If you're looking for competitive interest rates, don't need immediate access to your savings, and want to formulate a longer-term investment program, our CDs offer a good savings option. Interest accrues daily and is compounded quarterly, and paid to your account quarterly (or at maturity).
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Business Services
Capital Bank's suite of business services was designed to help businesses manage and control the financial aspects of their organization. Here, you will find a wide range of tools that will enable you to monitor and track your finances right from your desktop.
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Commercial Lending
We offer many competitive commercial loan products designed to help your business succeed. Our CapitalCare service promise is a pledge to help you make it happen and get it done, quickly and efficiently.
- Commercial Mortgages
- Lines of Credit
- Term Loans
- Equipment Leasing
- Special Business Loans
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