Personal Checking

  • Special CD interest rates
  • Tiered Interest rates
  • Includes Emerald Banking checks
  • Includes online banking and bill pay

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   Emerald Plus Banking

  • No minimum balance
  • Bank your way to no monthly service fee
  • Includes online banking and bill pay
  • Optional eStatements

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  • High interest rate checking*
  • Up to $20 credit for Capital Bank and ATM owner fees when certain conditions are met
  • Includes Smart Checking Account checks
  • Includes online banking and bill pay

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  • Attached CashBack Saver account earns interest
  • Earn cash for using your debit card
  • Up to $20 credit for Capital Bank and ATM owner fees when certain conditions are met
  • Exceptional interest rates earned on daily collected balance

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Personal Banking Brochure

Fee Schedule

Switch KitThe 5-Step Capital Bank Switch Kit is the easy way to move your checking account.  Learn More


There are many ways to bank.  Choose yours.

We’re happy to help you choose the personal checking account that’s right for your unique situation. We offer a wide array of checking accounts to meet the needs of all of our customers, from high interest checking accounts, reward checking accounts as well as high yielding traditional checking accounts.

*Your account will earn the current rewards annual yield (APY) on balances between one penny and $10,000 and a variable rate on all amounts above $10,000 for each cycle that the following requirements are met: view electronic statements (valid email), ten posted debit/check card transactions and one direct deposit or draft. If you do not meet these requirements, your account will still function as a checking account earning a variable APY, however it will not receive ATM refunds for that cycle. No minimum balance required; $100 required opening deposit for this account. Personal accounts only, limit one account per ownership agreement, not to exceed three accounts per household. Businesses, including DBA's will not be eligible to have Smart Checking. $1500 or more average monthly checking balance avoids the $12 monthly account service charge. Rates are variable and subject to change.