Personal Banking
Personal Deposit Account Products and Services
Personal Checking
- No minimum balance requirement
- Unlimited check writing
- Overdraft Protection (for qualified applicants, must apply)
- Free Capital Express Online Banking with Bill payment
- Checkcard (Monthly refund for ATM fees, ask us for the current refund amount)
Personal Interest Checking
- $1,000 minimum balance requirement to avoid maintenance fee
- Unlimited check writing
- Tiered interest rate based on balances maintained
- Overdraft Protection
- Free Capital Express Online Banking with Bill payment
- Checkcard (Monthly refund for ATM fees, ask us for the current refund amount)
Personal Money Market
- Maximum of six withdrawals per month (unlimited cash withdrawals)
- Tiered interest rates
- Free Capital Express Online Banking
- Checkcard (Monthly refund for ATM fees, ask us for the current refund amount)
Personal Savings
- Tiered interest rates
- Free Capital Express Online Banking
- Checkcard (Monthly refund for ATM fees, ask us for the current refund amount)
Certificate of Deposit
- Flexible terms
- Competitive rates
- Opening Balance requirements
Jumbo Certificate of Deposit
- $100,000.00 minimum deposit
- Flexible terms
- Competitive rates
IRA Certificate of Deposit
- Traditional, Roth, Educational
- Learn more by speaking to one our Sales Representatives
- Or click here to link to the IRS publication for IRA accounts
Health Savings Accounts
- Save for future medical expenses, prescriptions, vision and dental care
- Visit our Health Savings Account page for more information and forms
CDARS
- Certificate of Deposit with FDIC Insurance Protection up to $50 million
- Consolidate all of your cash at Capital Bank
- Eliminate the need to track deposits at various financial institutions
Additional Services
- Capital Express Internet Banking & no charge bill payment
- American Express Travelers Checks
- Official Checks
- Wire Transfers - Domestic & International
- Check Card through MasterCard
- Safe Deposit Boxes
- Bank by Mail
Personal Loan Products
Capital Bank's lenders are very experienced professionals who specialize in working with you. To learn more, call (301) 468-8848 or stop by one of Capital Bank's branch offices today.
Automobile Loans
- Pre-approval available
- New and Used terms
- Competitive rates
Boat Loans
- Pre-approval available
- New and Used terms
- Competitive rates
Mortgages
- Finance or refinance your home or a 2nd home
- Flexible terms (however 30 year term not available)
- Fixed and variable rates available
Home Equity Loans
- Maximum 80% Loan To Value
- Quick Approval Process
- Competitive rates
Home Equity Lines of Credit
- Maximum 80% Loan To Value
- Variable Rates
- Quick Approval Process
- Competitive rates
Overdraft Checking Line
- Save the return check fee
- Reuse as needed
- Quick Approval Process
Personal Loans
- Fixed Terms
- Quick Approval Process
- Competitive rates
