Emerald Banking

Our premier package of banking services!

If you prefer exclusive CD interest rates plus interest on your checking account, then Capital Bank's premier Emerald Banking package is the right solution for you! With your active Emerald Banking checking account, you can earn special Emerald Banking CD interest rates, custom Emerald Banking checks, online bill pay, a standard-size safe deposit box at no charge and more. Now that's value for your deposit balances! Overdraft Protection is also available pending credit approval.


Minimum to Open $100
Monthly Account Service Charge $12
Requirement to avoid account service charge $1,000 or more average daily balance (average balance for statement cycle) OR $15,000 average daily combined balance in other deposit accounts OR $50,000 in loan balances at the end of the statement cycle.
Interest Bearing Yes
Features * Emerald Banking rates on CD’s
* Up to $20 in ATM fee refunds per cycle including Capital Bank and ATM owner fees
Conditions to earn Rewards  
Statement Options Paper or eStatements available
Additional Features * Complimentary Official Checks and Notary Services
* Unlimited Transactions
* Free Standard Emerald checks or 50% discount on custom checks (Delivery fee applies and varies by location and postal charges)
* Complimentary 3x5 Safe Deposit Box of $10 credit towards larger box

Sign up for Emerald Banking at your local community branch or call 800.639.5111 for more details.

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