Checking Accounts

At Capital Bank personal checking is personal. Because we’re a community bank we have the ability to develop a personal relationship with you and understand your unique checking account needs.

All featured accounts include a Capital Bank debit card, access to Online & Mobile Banking including account alerts and Bill Pay, notary services, standard checks1, a complimentary financial review, and the option of Overdraft Protection2.


CashBack Checking with CashBack Saver

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Emerald Banking

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Emerald Plus Banking

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Smart Checking

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MyWay Checking

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  CashBack on debit card purchases and ATM refunds. Tiered interest on your balance and exclusive CD interest rates.

All the benefits of Emerald Banking with no monthly service charge.  Account owner must be age 50 or older to qualify for account.

A high rewards rate and ATM refunds.  A no minimum balance checking solution that allows you to bank your way to no monthly service charge.
Minimum opening deposit  $100 $100 $100 $100  $100
Monthly service charge (if conditions are not met)  $10 $12 $0 $12  $5
Account earns interest (CashBack Saver Only)        
ATM fee refunds          
Custom check discount          
Standard safe deposit box          
Special rates on CDs          
Special APY earned on checking          
Cash back on debit card activity          

1 Delivery fee applies and varies by location and postal charges. 2 Some overdraft option are subject to credit approval and account transfer fees

We’d love to sit down with you to learn more about your banking routines so we can help you identify which checking account would best fit your personal and financial goals.  Fill out the Request More Information box and and helpful Capital Bank Teammate will contact you to discuss your banking needs further.