"Smart Checking" from Capital Bank

The Basics

Minimum Opening Deposit
 
$100.00
A $100.00 deposit is required to open this account.
Monthly Maintenance Fee
 
$12.00
The Monthly Service Fee of $12.00 can be waived by maintaining an average daily balance of $1,500.00.
Annual Percentage Yield (APY)
 
up to 0.75%
This is a high-yield interest checking account. You can earn 0.75% on balances up to $10,000.00. The rate for balances over $10,000.00 is 0.20%. The rate if you don't qualify for the bonus rate is 0.20%.
To qualify for the bonus rate, each month you must:
- Make at least 10 debit card purchases;
- Have at least one direct deposit;
- Have at least one automatic payment;
- Receive monthly statements electronically.

Debit Cards & Using ATMs

Debit Card $0.00/yr
ATM Fee Reimbursements
 
Yes
Up to $20 in ATM fee refunds when you use a non-affiliated bank. This includes $2.50 from Capital Bank and any fees incurred from the ATM owner
Non-affiliated ATM Usage Fee
 
$2.50/per use
There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. This fee can be waived by Up to $20 in ATM fee refunds per statement cycle if there are a minimum of 10 POS debit card purchase transactions(excluding ATM and POS returns) AND at least one ACH debit per statement cycle AND Waive paper statements and receive eStatements
International ATM Usage Fee
 
$2.50/per use
There is a $2.50 fee each time you use a ATM in another country.

Electronic & Telephone Banking

Online Banking
 
Free
In addition to the standard online banking features, this service includes personal finance tools for budgeting and planning.
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- An email to let you know there's a secure message for you in Online Banking;
- Priority Online Account notifications (i.e., change of password).
Online Bill Pay Free
Mobile & Text Banking
 
Free
This institution supports:
- A text messaging service to locate ATMs;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone Free
Person-to-Person Payments
 
Free
Pay-A-Friend
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks
 
Yes
The first order of 'basic' checks is free for all new account holders. The first order of 'premium' checks is discounted by 30 percent for all new account holders.
Reorders of 'basic' checks are free for all account holders. Reorders of 'premium' checks are discounted by 30 percent for all new account holders.
Monthly Paper Statements
 
$2.50/month
There is a $2.50 monthly fee to receive statements by mail.
Check Images with Statements Included
Online Statements Yes
Online Check Images Yes

How To Reach Capital Bank

Go To Website: Capital Bank
Call: 8

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Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.

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