Business & Commercial

The funds you need to manage and grow your business through seasonal and economic changes, and banking solutions that keep you in your office– even when it’s a coffee shop.

Industries We Serve

Commercial Real Estate

Capital Bank has vast experience in structuring real estate financing that aligns with unique business requirements. Our team is among the most talented in the industry and provides solutions for real estate acquisition, development, and construction, as well as the purchase and refinance of owner-occupied commercial or investment properties. Our streamlined process can help get your project off the ground and to a successful completion — without delay or high cost.

Frequently Used Business Products & Solutions

General Industries

Capital Bank understands cash flow and inventory headaches, and the concerns of an unpredictable market. No matter your industry or your size, our seasoned team will dive deep into your business and complexities, and identify financial solutions that can help streamline your operations to help create long-term growth.

Frequently Used Business Products & Solutions

Government Contracting

Capital Bank understands the nuances of government contracting, from the crunch of cash flow management to new contract bids, and takes a hands-on approach to help alleviate the financial demands of contractors. Together, we can create a proactive plan that can help you get the capital you need to meet the demands of your operation or business.

Frequently Used Business Products & Solutions

Land Title Services

The expertise to streamline your banking needs and minimize your risk. Capital Bank is there to work with you today and will be there with you tomorrow — through implementation and well beyond. We are easily accessible and available to make recommendations, tailor solutions, and support your land title business.

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What We Do

The People, Processes, Promise to Deliver for You

We understand the challenges of your market landscape and the risks you face in the industry and meet those challenges head-on with a customized approach. Add systems that help ensure your money gets where it’s intended, when it’s intended, and we’re the team that backs you and your clients up from the very first handshake.

  • Positive Pay automated fraud detection tool—verifies checks and ACH transactions
  • Seamlessly integrates with your reconciliation services provider to save time and money on administrative duties
  • Late wire room hours —submit request up until 5:30 pm ET for same-day execution
  • Real-time execution of wire processing with instant notifications and dual control
  • Customized reporting that seamlessly integrates with your software

Banking Solutions

Spend more time focused on your mission with banking solutions that can help improve your day-to-day operations.

 

Who We Help

With 40 years of combined experience in helping title companies, Capital Bank is uniquely equipped to help support you.

“Jessica Sinnott and the dedicated title team at Capital Bank bring a wealth of experience specifically attuned to the needs of Title Companies and their clients. It is refreshing to have a banking relationship specifically set up to handle the unique requirements associated with the title business. They provide personal service backed by the latest technology to ensure the experience for our clients and employees is seamless. I look forward to a long relationship with the team at Capital Bank.”
—TIM MULLIN, COUNSELORS TITLE, LLC

“As a title company, one of our most critical operational decisions is choosing our banking relationship. We chose Capital Bank and could not be any happier. Whenever we need assistance, the staff at Capital Bank is always there to promptly provide us with a solution. In particular, I would like to point out Angela Saiz, as she is always extremely responsive to our questions. It is reassuring to know that my staff and I can count on the entire team at Capital Bank to ensure our banking needs are always met. We recommend them unconditionally to anyone looking for a new banking partner.”
—STEPHEN MILLSTEIN, CERTIFIED TITLE CORPORATION

Who We Are

Our business banking specialists are here for you.

Jessica Sinnott, Senior Vice President, Fiduciary Banking
I have extensive experience working in the Land Title Industry, banking Title Companies since 2002 and before that working with a company in the Post Closing Department. I understand the unique challenges of this industry from both the operational and the banking standpoints. With each client I ensure that the necessary products and services needed are ready and in place when they start with Capital Bank and I continue to be available throughout our banking relationship.

Angela Saiz, Vice President, Fiduciary Banking
I have been focused on the Land and Title Services industry for the last eight years and have extensive experience in the nuanced differences of state-specific needs relating to Title and Escrow. As a longtime member of the American Land Title Association and current volunteer on the Membership and Organization Committee, I have been able to build many relationships across the industry allowing me to make meaningful connections for my clients in order to help their day-to-day business needs beyond banking. I work consultatively alongside my clients in order to give them the best of my banking and title expertise.

For more information, contact Jessica Sinnott at 703-297-6690 or Angela Saiz at 757-752-4463 or email them at landtitleservices@capitalbankmd.com.

Member of:

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DCLTA logo
alta member logo
mlta logo
palmetto logo

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Political Organizations

Banking for Political Organizations and Action Committees (PACS)

You work hard for the funds you raise, so we understand you don’t want it going toward banking fees. With strong fraud protection features and a range of no-cost services, we help you keep more of the money you raise.

Direct access to your dedicated banking professional

When you have a question or need support, you deserve a quick response from a trusted professional who is easy to reach. Committed to your success, your dedicated advisor is there to help whenever you need it.

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We offer products that help meet your treasury management goals and keep your money safe. We integrate with your accounting systems for more efficient compliance management, stronger security, and faster payment processing. Fraud prevention measures like Positive Pay and dual control security protocols mean greater oversight into activity. And with no transaction fees or minimum balances, our services compliment your internal processes without limitations.

Tailored Treasury Solutions

Fraud Protection

Deposit Account Solutions

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Relationships matter most

With deep roots in serving political organizations throughout the DC metropolitan area, our client relationships are built by responsive banking professionals who take the time to get to know the clients they serve.

“By law, PACs are required to maintain at least one (1) checking account for purposes of accepting contributions and making disbursements to candidates and political committees. All national banks and federally insured credit unions are eligible to provide this service; however, we know firsthand most of these institutions have limited experience opening and administering such accounts. That’s why when Capital Bank created a unit specifically for the purpose of servicing PACs AND assigned an officer knowledgeable of PAC operations that got my attention.

From initial set-up for a new PAC, to changing the designated account signers, or adding positive pay, I can count on Chuck Kettenacker and Capital Bank to get it accomplished quickly and correctly. For the PAC community, having a bank that “gets it” is a truly valuable resource and PAC Outsourcing has and will continue to recommend Capital Bank to our clients and friends for their PAC banking requirements.”

Wade S. Williams, Esq.

President, PAC Outsourcing LLC

“Chuck is an out-of-the-box thinker and has developed some smart banking services focused around the PAC community. He is extremely responsive and dedicated to his work. If I ever need his help, he is available 24/7. I highly recommend Chuck to anyone looking for financial solutions in the PAC & small business arena.”

Dan Backer, Esq.

Principal Attorney, political.law

“We have worked with Chuck Kettenacker for 8 years. We worked with another local bank for over 20 years prior to switching our accounts. We grew increasingly frustrated with the lack of customer service and slow response time. As a client services organization ourselves, we need a banker who responds to our questions and concerns in a timely manner because we have to respond to our clients. Slow response has never been an issue since we started working with Chuck. If he is unable to respond, he has someone from his team respond to us with answers and/or resolutions to our issues. Every bank is happy to take your money and open an account. What separates the excellent banks from the mediocre ones is an excellent banker and Chuck Kettenacker is an excellent banker!”

Mary O’Reilly

Public Affairs Support Services, Inc.

Meet Chuck Kettenacker

Chuck is the Senior Vice President Commercial Relationship Manager for Capital Bank’s Political and Non-profit Banking. He has more than fifteen years of experience in commercial and non-profit banking, with particular expertise in Political Organizations. Customer-focused with excellent knowledge of the DC landscape, he delivers meaningful account solutions to Non-profits, PACs and Campaigns.

Get In Touch

For more information, contact Chuck Kettenacker at CKettenacker@capitalbankmd.com or 703-434-3786.

Professional associations

 

Health Services

Capital Bank employs a holistic approach — and the full complement of our resources — to structure solutions that help retirement facilities, urgent care centers and medical practices, deliver the highest quality of care, while navigating the ever-changing maze of legislation. Our service platform includes equipment financing, owner-occupied commercial real estate refinancing or purchase, and a breadth of Treasury Management tools that help maximize your cash flow.

Frequently Used Business Products & Solutions

Not-for-Profit Organizations

Not- for-Profit Banking Services

Not-for-profit organizations are in the business of helping people. So is Capital Bank. We take great pride in helping not-for-profit organizations continue to do their important work. With a deep understanding of your mission, we can design a solution to help drive your mission forward.

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What We Do

Capital Bank is dedicated to helping not-for-profit organizations continue to grow and prosper. Our Not-For-Profit group has more than a decade of experience supporting the needs of multiple industries, including, but not limited to local military groups, medical field organizations, community building and faith based organizations.

With deep understanding of your mission, we are able to find the right solutions for your business needs. It is the personal relationships we create that allow us to work closely and make sure we can provide the right services and tools to fit your organization. Capital Bank takes great pride in helping drive your mission forward and providing the resources you may not even realize you were looking for.

As an added bonus, we host an annual symposium to bring industry leaders and experts together with the business community in the Metro D.C. These complimentary events are an extension of Capital Bank’s commitment to helping businesses grow. It is a way for us to share our reach and an opportunity for our clients to meet with thought leaders and other community members.

Banking Solutions

Spend more time focused on your mission with banking solutions that can help improve your day-to-day operations.

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Who We Help

With experience in helping not-for-profits over various industries, Capital Bank is uniquely equipped to help support you.

“Capital Bank, a true strategic partner, provides many banking solutions. Over the years, they’ve assisted us with online payments, line-of-credit, banking options and much more. With their top-notch customer service, their team is a leader in the industry. We recommend them to anyone looking for a new banking partner.”
– Timothy R. Obitts, National Air Transportation Association

“Yachad is a non-profit housing organization providing home repair and preservation services to lower income homeowners. Capital Bank has been a partner in our work for over 20 years providing helpful and efficient banking services to our organizations as we have grown in scope and capacity over the years.”
– Audrey Lyon, Yachad

I truly appreciate the generosity David shows to make sure our organization’s needs are met as well as provide information and insight on new products available to make our business better. His focus on not-for-profits has only made his service that much more outstanding. The great service provided over the years makes clients like us feel that you care about developing long-term relationships more than just making a profit. We look forward to more years working with David and Capital Bank, N.A.”
– Valerie McDowell, Center for Children’s Law and Policy

Who We Are

Our business banking specialists are here for you.

David Vardeman is the head of Capital Bank, N.A.’s Not-for-Profit Business Banking Team. With extensive experience in the Greater Washington Region, he has mastered the understanding of the not-for-profit market in terms of building rapport and trust. His career has been defined by his established network connections and credibility relating to not-for-profit best practices. It is this vast experience, which allows our team to help organizations in a meaningful way. Our dedicated team can help with strategic planning of day-to-day operations as well as provide solutions to sustain your organization’s specific mission.

For more information, contact David Vardeman at dvardeman@capitalbankmd.com or 202-679-7911.

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Trade Associations

Banking for Nonprofit Trade Associations

We understand the unique and evolving demands of managing an effective Trade Association – from expediting the collection of membership dues to tax exempt financing. That’s why we work hard every day to maintain a strong relationship focused on your goals. Good relationships aren’t transaction-based.

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Tools of the trade, with an emphasis on service. 

Technology is important. But how we tailor our technology, such as specialized reporting from online banking that integrates to your AR systems to using our technology to create efficiencies with your banking and vendor payment operations, is what sets us apart.

Experienced bankers ask questions, and take the time to listen to what matters most to you. The result is a customized suite of products that protects against fraud, improves efficiencies, and integrates seamlessly with your payment and reconciliation systems.

Experienced and Active Industry Specialists. 

You deserve a dedicated banking professional who understands your needs and knows the local landscape. Someone to build a relationship with as your organization grows. Capital Bank has a long history of serving the financial needs of nonprofits in the Greater Washington Area. Our committed banking specialists can help you navigate the banking complexities of your industry, providing the consistent support you need.

Who We Help

With nearly 30 years of experience finding solutions for the needs of trade associations, our team is uniquely equipped to support you.

“Capital Bank, a true strategic partner, provides many banking solutions. Over the years, they’ve assisted us with online payments, line-of-credit, banking options and much more. With their top-notch customer service, their team is a leader in the industry. We recommend them to anyone looking for a new banking partner.”
– Timothy R. Obitts, National Air Transportation Association

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Banking Solutions
Spend more time focused on your mission with banking solutions that can help improve your day-to-day operations.

Tailored Treasury Solutions

Fraud Protection

Specialized Financing

Deposit Account Solutions

Who We Are

Tom Ciolkosz is the Senior Vice President of Capital Bank’s Commercial Lender Nonprofits & Trade Associations. With over 25 years as an active member of the trade association community, Tom Ciolkosz provides unwavering dedication and exceptional insight on what matters most to your organization.

For more information, contact Tom Ciolkosz at tciolkosz@capitalbankmd.com or 571-271-9530.

 

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Professional organizations we are involved with include: