Private Banking

Private Banking At Capitol Bank

Our Private Banking relationship is centered on the concept of providing a single point of contact for all your banking needs. We work on your behalf to ensure prompt and efficient personal and business banking services. Specific emphasis is placed on the unique, and often complex, financial needs of our high net worth clients, particularly in lending. For example, Capitol Bank is able to structure unique personal and business loan arrangements for purposes considered unconventional by many banks.

Private Banking Clients have access to business and personal loans.

Residential & Refinance Mortgage Loans
Owner-Occupied Commercial Real Estate
Home Equity Loans & Lines of Credit
Vacation & Second Home Real Estate Loans

Business Lines of Credit
Business Equipment Loans
Practice Buy-In Loans
Collector Vehicle & RV Loans
Watercraft & Airplane Loans

Private Banking Services

The professionals at Capitol Bank Private Banking provide all of the products and banking services of a full-service financial institution. The team operates with the following three guiding principles:

1. We are relationship focused.

Serving as your advocate
Committed to proactive communication
Providing you with an array of banking services

2. We provide access to a team of experts and customized solutions.

Providing you with a single point of contact
Providing access to experts and local decision makers
Creating customized solutions through competitive products and services

3. We assist in facilitating important and unique financial decisions.

Assessing your needs and identify your financial goals
Assisting with the implementation of your financial plan
Monitoring performance and reviewing progress
Modifying strategies as necessary

Private Banking Checking

This specialized personal checking account offers unique benefits in addition to our standard checking accounts. When all minimum daily balances are maintained, associated fees are waived for all account features. In addition, you receive a competitive interest rate¹.

These special accounts include:

Free Bill Pay
Free Capitol Bank ATM³
No Annual Fee VISA^® Debit Card⁴
Safe Deposit Box Discount
Free Paper Statements
Free eStatements
Free Capitol Bank Checks²
Free Cashier’s Checks
Check Imaging Available

All checking accounts require a minimum of $100 to open. Upon closing, applicable minimum balance requirements and maintenance fees will apply.

¹Interest on the Private Bank Checking account is compounded and credited monthly based on the Average Daily Balance Method. This is a variable rate and may change at the bank’s discretion without notice. Current interest rate on Capitol Plus Checking as of 01/01/2024 is .01% with and Annual Percentage Yield (APY) of .01%; therefore, the interest rate on the Private Banking checking has an interest rate of .11% with an APY of .11% as of 01/01/2024. Fees could reduce earnings on the account. Please contact a member of our Private Banking team for more current information at 608.836.4313.

²Free Capitol Bank Checks include the Capitol Bank Logo. Other checks are available for a fee.

³Free unlimited Capitol Bank ATM transactions up to your available balance; owner of non-Capitol Bank ATMs may charge a fee

⁴Subject to Bank approval. Text or data rates may apply for mobile applications. For additional details about deposit accounts, please refer to the Deposit Account Brochure, current Deposit Rate Sheet or Fee Schedule and the Truth in Savings Disclosure. All of these resources are available at any Capitol Bank Office.

Private Banking Team

The Private Banking team is fostering a local relationship approach to meeting the financial needs of organizations and individual families in Dane County.