Checking
Personal Checking Accounts
Capitol Bank serves Madison & Verona, Wisconsin and offers a variety of checking options to meet your needs. Choose the account that’s right for you!
All of our Personal Checking Accounts include the following:
- Free Online Banking, Electronic Statements, and Mobile Banking
- Free Bill Pay
- Free Capitol Bank ATM*
- No Annual Fee Visa® Classic Personal Credit Card*and Visa® Debit Card*
- Unlimited Check Writing
*Compare Plans for details and disclaimers on all account types.
Free Green Checking Account
A free personal checking account when you establish monthly direct deposit and eStatements.
- No Monthly Maintenance Fee
- Features included on all Personal Checking Accounts can be found here
Capitol Checking Account
This economical personal checking account allows you to take advantage of balances in multiple accounts.
- Monthly Maintenance Fee of $8.00 plus $0.30 per check written and $0.30 per ATM withdrawal
- Fee Waived if: $500 in Personal Checking OR $1,000 in Personal Savings, Money Market or Certificate of Deposit
- Features included on all Personal Checking Accounts can be found here
Capitol Plus Checking Account
This interest-earning account lets you put your money to work!
- Check Imaging Available
- Monthly Maintenance Fee of $12.00 plus $0.30 per check written and $0.30 per ATM withdrawal
- Fee Waived if: $1,000 in Personal Checking OR $2,000 in Personal Savings, Money Market or Certificate of Deposit
- Features included on all Personal Checking Accounts can be found here
Senior Checking Account
A personal checking account with special benefits for customers age 62 or better
- Check Imaging Available
- Free Capitol Bank Logo Checks and Cashier’s Checks
- $15.00 Safe Deposit Box Discount
- Direct deposit required to waive $10.00 monthly maintenance fee
- Features included on all Personal Checking Accounts can be found here
Capitol Savings Account
Our standard personal savings account
- $100 Minimum Opening Deposit
- $200 Minimum Daily Balance To Waive Monthly Maintenance Fee
- Monthly Maintenance Fee, if Below Required Balances $2.00 plus $2.00 per withdrawal over six
- Interest Compounded and credited quarterly based on average daily balance; Variable interest rate
- Withdrawals – Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.
- Quarterly statements; Monthly, if combined with a personal checking account
Cappy Minor Savings Account
A personal savings account designed especially for the kids
- No Minimum Opening Deposit
- No Minimum Daily Balance To Waive Monthly Maintenance Fee
- No Monthly Maintenance Fee
- Interest Compounded and credited quarterly based on average daily balance; Variable interest rate
- Withdrawals – Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.
- Quarterly statements; Monthly, if combined with a personal checking account
Money Market Savings Account
An interest-bearing personal savings account based on current interest rates
- $100 Minimum Opening Deposit
- $2,500 Minimum Daily Balance To Waive Monthly Maintenance Fee
- $10 Monthly Maintenance Fee, if Below Required Balances
- Interest Rates based on tiered balances: 1st tier – $25,000 and under, 2nd tier – $25,000 and above. Interest compounded and credited monthly; Variable interest rate
- Withdrawals – Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.
- Monthly Statements
Certificates of Deposit
We have certificates of deposit with several term lengths with competitive rates to choose from. View our current rates here.
- $1,000 Minimum Opening Deposit
- No Minimum Daily Balance
- No Monthly Maintenance Fee
- Fixed Interest Rate for the term of the certificate. Interest compounded and credited quarterly. Interest can automatically be transferred to another account. see current rates.
- The penalty we may impose will equal seven (7) days’ interest on the amount withdrawn within the first six days after deposit OR 3% of the amount withdrawn if the withdrawal is made after the sixth (6) day following the date of deposit or renewal. Automatically renewed at current interest rate with a 10-day grace period. Notice given of approaching renewal and rate change.
- Statements available upon request only; Monthly, if combined with a personal checking account
Personal Savings and Investments
Our personal savings account options are designed to help you meet your short-and long-term financial goals.
All of our Personal Savings Accounts include the following:
- Free Online Banking
- No Annual Fee Visa® Classic Personal Credit Card*
- Free eStatements
- Free Mobile Banking
Get the exceptional value, convenience, and reliability of a personal VISA® Personal Credit Card from Capitol Bank!

Choose from our VISA® Classic, *Classic Plus, or *Gold card. All Capitol Bank VISA® personal cards feature:
- Flexibility – make purchases, pay bills, or get cash
- Affordability – low interest rates and low or no annual fees
- Convenience – Visa is accepted worldwide
- Security – multiple layers of protection for you and your money
- Access – view your account statement online from our web site
*Receives Reward Points (ScoreCard Bonus Points) Visit www.scorecardrewards.com.
Personal Loans
At Capitol Bank we offer a variety of consumer/personal loans at competitive rates. Our simple application process and local decisions make it easy to get the money you need with a line of credit or a term loan.
Online Banking
With our Personal Online Banking, managing your finances is easy! You’ll have access to your accounts any time, from any computer with an Internet connection. If you are already enrolled in Personal Online Banking, login at the top of the page.
Personal Online Banking allows you to:
- Check your account balances and activity
- Transfer funds between accounts
- Make loan payments
- View 12 months of statement history
- Create eAlerts
- And much more
Enrollment
Call us at 608.836.1616 to enroll in online banking. We’ll collect your account number and personal information, then we’ll be asking four multiple choice questions to verify your identity.
eStatements
Electronic version of your printed statement accessible through Online Banking, with a notification emailed to you every month.
Mobile Banking
The convenience of viewing your account balances, recent transactions, depositing checks, or transferring funds between accounts – all from your mobile phone.
Online Bill Pay
Paying your bills is quicker and easier than ever! Personal Bill Pay allows you to pay all your bills from a single, user-friendly website with just a few clicks of the mouse.
Alerts – Mobile & Email
Setup your own alerts based on parameters you decide. An Account Alert that has been fulfilled will generate a message that can be sent to you via email or text message.