Whether you’re looking for a simple, no-fee account or one that earns interest, we’ll help you find the right one—so you can bank the way that works best for you.
If you have questions or need help choosing an account, give us a call at 800-836-3711 to connect with a Banking Specialist today.
| Features | Free Checking | Global Checking | Global 1.0 | Global 2.0 | BankOn Checking | Now Account | Health Savings Account (HSA) |
|---|---|---|---|---|---|---|---|
| Which Is right for you? | A free account, no strings attached! | Fee-free access to more than 1 million ATMs worldwide! | Student checking designed for teens 13-17 | Global checking for young adults ages 18-25 | Need to start over? This account is for you! | Interest- bearing checking | For HDHP participants -- Save for unexpected healthcare costs |
| Minimum Opening Deposit | $25 | $25 | $1 | $1 | $25 | $1,000 | None |
| Overdraft or Non-Sufficient Fund Fees | Yes | Yes | Yes | Yes | None | Yes | None |
| Minimum Balance Requirement | None | None | None | None | None | $1,000 | $100 |
| Monthly Service Charge | None | $10 if requirements not met | $1 if requirements not met | $10 if requirements not met | $5 | $10 if daily ledger balance is less than $1,000 | $3 if requirements not met |
| Free ATM Fees | No | Yes | Yes | Yes | No | No | No |
| Earns Interest | No | No | No | No | No | Yes, if daily ledger balance is $1,000 or more | Yes, if daily ledger balance is $100 or more |
Our Free Checking account costs nothing and gives you a variety of benefits that fit your lifestyle. And, yes! It’s really free!
Features
Contact us today to get started!
Whether you’re traveling or just on the go, Global Checking gives you easy access to your funds anytime, anywhere. Enjoy fee-free transactions at millions of ATMs worldwide, plus reimbursement of ATM fees charged by other financial institutions. Wherever you are, your money is always within reach.
Features
Good financial habits start early. That’s why we offer Global 1.0 Checking, designed for teens ages 13 to 17. This account helps young savers learn to manage money responsibly—setting them up for a lifetime of financial confidence.
Requirements and Features
Contact us today to get started!
Designed for clients ages 18 to 25, Global 2.0 Checking gives you the flexibility to manage your money on your terms. With features like online and mobile banking* and fee-free access to millions of ATMs worldwide, you can bank whenever and wherever life takes you.
Requirements and Features
Everyone deserves access to safe and affordable banking. BankOn Checking is a certified low-cost account designed to help you manage your money with confidence. Whether you’re starting fresh or getting back on track, this account provides the tools you need for a better banking experience.
Features
Contact us today to get started!
Designed for individuals, municipalities, nonprofits, and eligible organizations, the NOW Account offers the flexibility of a checking account with the added benefit of earning interest. With a minimum investment of $1,000, you can efficiently manage income and expenses while making the most of your funds.
Features
Contact us today to get started!
Healthcare costs can add up, even with insurance. A Health Savings Account (HSA) from Capital Bank helps you set aside tax-free funds for qualified medical expenses not covered by your High Deductible Health Plan (HDHP). This interest-bearing account gives you convenient access to savings for healthcare needs today while helping you plan for the future.
Features
For more details or eligibility requirements, please contact us today! View our current rates here.
*Subject to Availability **Wireless carrier charges or data fees may apply.
Access and manage your money whenever and wherever you need.
Let us help you finance the perfect home for your future.
© 2025 Capital Bank. All rights reserved.
ABA Routing Transit #: 021301115
Toll-free: 800-836-3711
