| Business Banking Services
It's good to have a bank that knows business. It's
better to have a bank that knows your business-and your market.
Capital Bank has both its roots and its home in New York's Capital
Region. As a result, you get local service and faster decisions from
people who know your community...and want to see every business in that
community succeed.
To make that happen, Capital Bank offers a whole array of business
banking: business checking, business savings, business loans and much
more. Please explore this section of our site for the business solutions
that will help you grow.
For details, contact your Capital Bank banker.
Checking
What kind of business checking 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
Checking |
Not-for-Profit
NOW Checking |
| Interest rate |
-- |
Earning credit to
offset activity fees* |
2.50%
APY** for balances $5,000 & higher |
| 1.10% APY**
for balances under$5,000 |
| Free transactions |
First 200 free ($0.25
per transaction thereafter) |
-- |
-- |
| Free online banking/
bill pay |
Yes |
Yes |
Yes |
Business ATM/
debit card access |
Yes |
Yes |
Yes |
| Monthly fees |
$12 for avg. daily
balance under $1,000 |
$12, no minimum
balance |
$15
for avg. daily balance under $1,000 |
*Activity fees: $0.16/check,
$0.10/ACH debit or credit, $0.35/deposit, $0.12/deposited item
**APY = Annual Percentage Yield |
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Savings
Earn exceptional interest with a tiered business savings account from
Capital Bank. approach to business savings:
- 3.10% APY*, depending on balance;
- $15 monthly fee for average daily balance under $5,000;
- Business ATM/debit card access;
- Interest compounded daily
*APY = Annual Percentage Yield
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Cash
Management
Can you optimize cash flow, maximize earnings on available cash, and
save yourself valuable time? You can with Capital Bank's suite of convenient
online cash management products.
Like
having a branch right in your business. Make deposits by scanning
the checks at your location, then transmitting the data electronically.
No need for manual delivery of checks to the bank. Most important,
we make the funds available fast-faster than other Capital
Region banks.
- ACH. Manage your
payroll and accounts payable right from your desktop. With our ACH
service, you give us standard payment instructions for your regular
expenses, and we execute those instructions automatically.
- Free online banking and bill pay.
Handle your bills, initiate wire transfers, move money between accounts,
and more, without leaving your desk or spending a dime.
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Lending
Few things can make or break a business like access to capital. That’s
why Capital Bank is so dedicated to business lending: to ensure that
the businesses in New York’s Capital Region—especially those
with local ownership—have everything they need to succeed. Our solutions cover your business lending needs :
- Working Capital Line of Credit offers flexibility while you are waiting for your receivables to come in.
- Term loans for
longer periods to finance equipment purchases and long-term growth
opportunities.
- Commercial mortgages
with up to 10-year terms and amortization up to 25 years.
- Capital Access Business Line of
Credit
Prime minus 3.00% for 3 months*
Is your business growing? Do you need some cash while waiting for your customers to pay you? Our Capital Access Business Line of Credit offers lines up to $100,000 with flexible payment terms.
If you need more than $100,000 then maybe a Working Capital Line of Credit is for you. Please call one of our Loan Specialists at (518) 434 -1212 and we will work with you to find the right solution!!
Printable Capital Access Business Line of Credit Application
*Subject to credit approval. The Capital Access Line of Credit rate is a variable rate based on The Wall Street Journal Prime rate (Prime) and is Prime plus or minus a margin. Approved applications up to $100,000 received by 03/31/2008 are eligible for a rate of Prime – 3.00% for the first three months. Actual annual percentage rate after promotional period will be determined by credit qualifications. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. A business checking account is required to receive promotional rate. Normal checking account service charges may apply; please refer to specific account disclosures for details.
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For details, contact your Capital Bank banker.
E-mail communications may not be secure, therefore we must insist that you do not include any confidential or personal information in E-mail correspondencies with Capital Bank.
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