Hurricane Season Preparation

      Capital Bank is here to help you prepare as much as possible. Below are key terms and helpful hints to help you during a storm.
    Understanding the Terminology
  • Tropical Depression—A tropical cyclone with maximum sustained winds of 38 mph (33 knots) or less.
  • Tropical Storm— A tropical cyclone with maximum sustained winds of 39 to 73 mph (34 to 63 knots).
  • Hurricane—A tropical cyclone with maximum sustained winds of 74 mph (64 knots) or higher. In the western North Pacific, hurricanes are called typhoons; similar storms in the Indian Ocean and South Pacific Ocean are called cyclones.
  • Major Hurricane—A tropical cyclone with maximum sustained winds of 111 mph (96 knots) or higher, corresponding to a Category 3, 4 or 5 on the Saffir-Simpson Hurricane Wind Scale.
    Banking-Related Things To Do
  1. Apply for an ATM card. ATM cards provide uninterrupted access to your checking account and allows you to withdraw cash from participating ATM machines.
  2. Apply for a Debit Card. For even greater access to your checking account, Debit Cards, give you the ability to make purchases wherever Debit MasterCard is accepted, make transactions where checks may not be accepted and withdraw cash from any ATM location.
  3. Know your PIN number for your ATM Card or Debit Card. If you do not know your PIN number, please contact out call center or your local branch to request a new PIN ASAP. If you lose your card, the Lost/Stolen card hotline number is 1-800-639-5111, Option 7.
  4. Use Capital Bank’s Complimentary Online Banking at With Online Banking you can check your account balances, transfer funds between accounts, make loan payments, research check status, and more – from anywhere! All you need is Internet access. Existing Online Banking customers, make sure to access your account at least every six months in order for it to remain active. If you do not have Online Banking make sure you enroll BEFORE a storm.
  5. Download our Mobile Banking app for iPhone, iPad and Android devices.  Access your account information, transfer funds, make a mobile deposit and pay your bills (for eligible customers) from a smartphone with Internet access from either a WIFI source or the 3G/EDGE networks.
  6. Sign up for Online Bill Pay from Capital Bank. Just like Online Banking, you can stay on top of your bills no matter where you are. No more worries about falling behind on your payments or worrying if an interrupted mail service will deliver your payments on time. With Online Bill Pay you simply go online and set up your bills to be paid—you're in control!
  7. Keep our 24-Hour Telephone Banking number handy - 1-800-639-5111, Option 1. With one call from any touch-tone telephone, you can get information on your accounts to monitor recent account activity, transfer funds between accounts and check balances.
  8. Set up Direct Deposit. In the event mail service is disrupted, you are displaced from your employer, or simply have no way to get to the bank, Direct Deposit ensures that your deposit is automatically and securely deposited into your account for you. You can have payroll deposits, Federal government benefits, pension, annuity, and more automatically deposited into your account.
  9. Bring important documents and essentials with you when evacuating such as your driver’s license, insurance papers, checks, ATM/Debit Card, deposit slips, account information, tax papers, credit cards, utility bills (for proof of residence) and any prescriptions. And remember that even if your cell phone service goes out, text messaging may still be available.
    To safeguard your household, we offer the following tips:
  • Know your risk. FEMA’s map service center will show you the flood risk for your community, which helps determine the type of flood insurance coverage  you will need since standard homeowners insurance doesn't cover flooding.
  • Assemble an emergency supply kit. The emergency kit should include first aid supplies, a flashlight, extra batteries, at least three days of non-perishable foods and water, towels and a supply of any necessary medications. Stay informed of the storm’s path and progress by monitoring Wireless Emergency Alerts via text message and having a battery-powered radio or TV available. Review Emergency Supply Kit.
  • Develop a family communications plan. Know how you will contact one another; how you will get back together, if separated; and what you will do in different situations. Having a plan can eliminate some of the stress and confusion. Review a Family Emergency Plan template.
  • Establish an evacuation route. Prior to a storm, contact your local American Red Cross to locate the shelter nearest you or download their Shelter Finder App. Identify the safest route to get there. Be sure to check if your local emergency shelter allows animals and family pets.
  • Secure your home and property. Outdoor furniture and other objects can pose a potential hazard. Turn off propane tanks and other utilities if instructed to do so by emergency personnel.
  • Protect financial documents. In the event of a disaster, you will need identification and financial documents to begin the recovery process. Safeguard important documents in a bank safe deposit box, computer storage devices (USB drive, CD/DVD), and/or waterproof storage containers, including:
    • Personal identification (driver’s licenses, birth certificates, military IDs, passports, etc.)
    • Financial account information (checking, savings, retirement and investment accounts, credit/debit cards).
    • Insurance policies on all personal property, including appraisals and lists and photos of valuable items.
    • Ownership or leasing documentation for homes and vehicles (deeds, titles, registrations, rental agreements, etc.)
    • All health and medical insurance documentation.
  • Know the details of your insurance policy. Talk with your agent to determine if you have adequate coverage or if you need to reassess your plan. This is especially important if your property’s flood map has changed.
    Additional Resources: