Products & Services

Capital Bank offers a full range of deposit and loan products suitable for today's fast paced and demanding world. Click on the links for Business, Treasury Services, Capital Express and Personal Products for an overview of our offerings.  Deposits in checking, savings, certificate of deposit and CDARS accounts at Capital Bank are fully insured by the FDIC. 

Business Banking

Treasury Services

Capital Express

Personal Banking

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information, visit

Electronic Deposit Insurance Estimator (EDIE)

If you have more than $250,000 on deposit in the bank, you may have more-or less-deposit insurance coverage than you think.  Use EDIE Online to calculate your FDIC insurance coverage.


FDIC Deposit Insurance Coverage

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. Since the FDIC was established, no depositor has ever lost a single penny of FDIC-insured funds.

FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). FDIC insurance does not, however, cover other financial products and services that insured banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities.

There is no need for depositors to apply for FDIC insurance or even to request it. Coverage is automatic.

To ensure funds are fully protected, depositors should understand their coverage limits. The FDIC provides separate coverage for deposits held in different account ownership categories. The coverage limits shown in the chart below refer to the total of all deposits that an accountholder has in the same ownership categories at each FDIC-insured bank. The chart shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.


VIDEO: Click here for an Informational Video about FDIC Insurance 


Basic FDIC Deposit Insurance Coverage Limits

Single Accounts (owned by one person)

$250,000 per owner



Joint Accounts (two or more persons)

$250,000 per co-owner



IRAs and certain other retirement accounts

$250,000 per owner



Trust Accounts

$250,000 per owner per beneficiary subject to specific limitations and requirements

Corporation, Partnership and Unincorporated Association Accounts

$250,000 per corporation, partnership or unincorporated association



Employee Benefit Plan Accounts

$250,000 for the non-contingent, ascertainable interest of each participant



Government Accounts

$250,000 per official custodian



Please call or stop one of our branches if you have any questions or concerns regarding FDIC Insurance on your accounts.  You can also visit the FDIC's web site for additional information at the links below.  You can also call the FDIC directly, call toll-free 1-877-ASK-FDIC.

FDIC General Information:

FDIC Insurance Estimator:

FDIC Insurance Fact Sheet:

Additional FDIC resources at Bank Find allows you to locate detailed information regarding a single FDIC-insured institution.  This information includes answers to questions such as: Is my bank insured? Where are my bank's branches located? Where is my bank's home (main) office located? What is my bank's Web site address? What happened to my bank? Does my bank have a new name? Is my bank still open? Who do I contact with a complaint?

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