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 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 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

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

  • Capital Express Internet Banking & no charge bill payment
  • 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.