Smart
Checking
The free checking account that pays interest!
 
- Exceptional interest rates earned on daily collected
balance.
- Minimum opening deposit is only $100.00 and no minimum balance is required.
- No monthly service fee
- All ATM fees are refunded nationwide at the end of each statement cycle if monthly account conditions are met.
- Unlimited free transactions.
- Monthly electronic statement includes free check images.
- Monthly conditions include each of the following:
- One direct deposit or draft
- Ten debit/check card transactions
- View your statement online
Plus you can upgrade your account to save on things you spend money on everyday with Bonus Benefits for just $3.99 per month.
Beginning on March 18th:
- 4.01% APY applies to balances between $0.01 and $10,000; balances exceeding $10,000 will earn 0.30% APY.
- Non-qualifying accounts will earn 0.10% APY on account balances.*
- Non-Capital Bank ATM transaction refunds will be limited to $20.00 per statement cycle; there are no fees for Capital Bank ATM transactions.
- Limit one Smart Checking account per ownership arrangement, not to exceed three accounts per household. Businesses, including DBAs, are not eligible to have Smart Checking.
* Qualifying for the 4.01% APY will not change - 10 debit/check card transactions, one or more direct deposit or ACH debit, and estatement per statement cycle.
Rates are variable and subject to change.
Related Products
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overdraft protection
> Bonus Benefits
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