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 Personal 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 Personal 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 (Capital Bank does not endorse or guaranty the products, information, or recommendations provided by this site linked to the Bank's web site and Capital Bank is not liable for any failure of products or services linked to the Bank's web site. Please carefully review the privacy policies of web sites linked to Capital Bank's web site. Web site security of linked web sites may be less than the security found on Capital Bank's web site.)

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

  • NEW!  Capital Bank offers its personal banking customers a free customized mobile application to check balances, pay bills and manage accounts (mobile deposit coming soon!).  Please click here for online demo
  • Personal Capital Express Internet Banking & no charge bill payment.  Please click here for online demo
  • 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
    Latest News

    Protect your account from a "takeover". Click here Prevent an Account Takeover.

    Learn more about our Lonely Teller 2.0 product.  Please contact a Capital Bank representative for more details.