Personal Services

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

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

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

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

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

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

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

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