Frequently Asked Questions

Capital Bank offers a variety of Personal Checking Accounts to help meet your needs.

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Every new Personal Checking Account includes:

• Free debit card
• Free online banking and bill pay
• Free Direct Deposit of payroll, pension, or Social Security benefits
• Free access to your account information 24 hours a day
• Free ATM transactions at all CBNK ATMs
• Free non-Capital Bank ATM transactions at all ATM locations in the MoneyPass ® Network (surcharge free)
• Free return of check images for easy record keeping
• Free easy-to-balance monthly statement
• Free initial standard check order

Capital Bank offers a variety of Personal Savings Accounts.

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Yes. Capital Bank’s Personal Money Market Accounts offer you higher interest rates and the benefit of Personal account liquidity, with interest rates increasing with the balance of your account. Plus, the added security of knowing that your deposit is insured at the maximum allowed by the FDIC.

Yes. Capital Bank’s Certificates of Deposit offer you another savings instrument that is perfect when you want to invest your funds for a specified period of time. All of your CD deposits are insured to the fullest extent allowed by the FDIC.

Capital Bank customers do not have ATM fees when using a Capital Bank ATM.   Capital Bank is also part of the MoneyPass® Network, allowing you to access a wide network of ATMs without incurring additional fees. You can find participating ATMs by visiting moneypass.com/atm-locator.html.

Simple, for personal check reorders please go to deluxe.com

Contact our Cardholder Services Center at 800-500-1044 to report a lost or stolen debit card. If you need a new card reissued to you, contact our Operations Department at 301-468-8848 during our normal business hours of Monday through Thursday 9:00am – 4:00pm ET and Friday 9:00am – 5:00pm ET. Or you can visit your nearest branch location.

Each time an account is opened for a covered Legal Entity, we’re required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for each individual that has beneficial ownership (25% or more), and for one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge. We proudly support all efforts to protect and maintain the security of our customers.

The routing number of Capital Bank is 055003340 and can be found on your checks, along with your account number and check number. See example check below:

Capital Bank offers Business Checking Accounts that meets the needs of businesses of all sizes.

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Capital Bank has a variety of credit solutions to help you achieve your goals. We recommend you speak with a Relationship Manager to help you identify the right loan to meet your needs.If you don’t have a Relationship Manager or want to speak with someone, connect with us by calling 301-468-8848.

READ MORE ABOUT THE DIFFERENT BUSINESS LOANS AVAILABLE

Yes. Capital Bank offers Remote Deposit, which allows you to deposit checks right into your bank account without ever leaving the office.

Each time an account is opened for a covered Legal Entity, we’re required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for each individual that has beneficial ownership (25% or more), and for one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge. We proudly support all efforts to protect and maintain the security of our customers.

Simple. Head to the Deluxe site for easy ordering.

If it is your first time ordering checks, please contact your local branch or call us at 301-468-8848.

Capital Bank offers the SBA 7(a) and 504 loan programs to help you grow your business. 

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SBA loans can be used for most borrowing needs, if you qualify. The type use of proceeds includes:

• Business Acquisitions, Expansions and Start-Ups
• Inventory, Equipment and Franchise Purchases
• Commercial Real Estate
• Refinance of Existing Debt
• Working Capital

With longer amortization periods, small businesses can have lower loan payments, with competitive market rates.

Up to 10 years for business acquisitions, equipment purchases, debt refinancing and working capital, and up to 25 years for commercial real estate.

• For loans under $150,000, SBA charges 2% of the guaranteed portion (85% of the total loan amount). 
• For loans between $150,001 – $700,000, SBA charges 3% of the guaranteed portion (75% of the total loan amount). 
•  For loans between $700,001 – $5,000,000, SBA charges 3.5% of the guaranteed portion (75% of the total loan amount).

Find that information in our “How much will my monthly payments be?” calculator.

What types of USDA programs are available?

Capital Bank offers Business and Industry (B&I loans, Rural Energy for America program (REAP), Farm Service Agency Programs (FSA) and Community Facilities program (CF). 

If you are interested in a USDA loan, you should speak with a Relationship Manager who can guide you in the right direction.

Visit our “About Us” page to learn more about Capital Bank

Get to know our Board of Directors and Executive Management Team.

With one click of a button.

2275 Research Blvd., Suite 600
Rockville, Maryland 20850

We proudly partner with Windsor Advantage as well as Windsor Advantage’s Accel Fintech platform.

We would love to have you check out the available opportunities.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency supported by the United States government which was created to strengthen the banking system and protect consumers and their savings.  Meaning, any time an insured financial institution isn’t able to operate, the FDIC guarantees the bank’s customers will have their deposits covered, up to $250,000 per person. Capital Bank is an insured member of the FDIC.  Follow the below link to see detailed information about which account types are covered.

FDIC Deposit Accounts