Personal Banking

Personal Checking


  • Free first order of Capital Bank image checks
  • Free Capital Connection OnLine (24 hour NetTeller banking)
  • Free Bill Pay
  • Free Capital Connection OnCall (24 hour telephone banking)
  • Unlimited transactions
  • Free ATM and VISA Debit usage Worldwide
  • Personal Teller and Customer Service

To waive the monthly fee you must maintain a minimum daily balance of $2,000.00 or an average monthly balance of $5,000.00 or combined balances of $7,500.00. Otherwise a $10.00 monthly fee will be charged. Opening deposit is $500.00.


Personal Super Now Interest Checking


  • Free first order of Capital Bank image checks
  • Free Capital Connection OnLine (24 hour NetTeller banking)
  • Free Bill Pay
  • Free Capital Connection OnCall (24 hour telephone banking)
  • Unlimited transactions
  • Free ATM and VISA Debit usage Worldwide
  • Personal Teller and Customer Service
  • Competitive Interest Rate

To waive the monthly fee you must maintain a minimum daily balance of $5,000.00 or an average monthly balance of $7,500.00 or combined balances of $10,000.00. Otherwise a $20.00 monthly fee will be charged. Opening deposit is $500.00.


Personal Money Market Account


  • Free first order of checks
  • Free Capital Connection OnLine (24 hour NetTeller banking)
  • Free Bill Pay
  • Free Capital Connection OnCall (24 hour telephone banking)
  • Free ATM and VISA Debit usage Worldwide
  • Personal Teller and Customer Service
  • Competitive Interest Rate

To waive the monthly fee you must maintain a minimum daily balance of $5,000.00 or an average monthly balance of $10,000.00. Otherwise a $15.00 monthly fee will be charged. Opening deposit is $2,500.00.

Withdrawal limitations: Limits transfers from this account to another account or to 3rd parties by Pre-Authorized, automatic, telephone or computer transfer (including bill pay), checks, drafts, point-of-sale (POS), debit card or similar order to third parties to six per monthly statement cycle. In excess of this will result in a $10.00 charge per item.



Personal Savings


Available to individuals, businesses and non-profit organizations


  • Competitive interest rate
  • Six withdrawals per month
  • Quarterly statements

Opening deposit is $500.00. In order to avoid a monthly service charge of $5.00 a balance of $1,000.00 must be maintained at all times.

There will be a $5.00 fee for each withdrawal in excess of six per month.

Federal Regulation limits transfers from this account to another account or to third parties by Pre-Authorized, automatic, telephone or computer transfer (including bill payments) to six per month.