Frequently Asked Questions (FAQ's)

What is my Routing & Transit number?
How much does Online Banking cost?
How do I waive the mailing of my monthly paper bank statements?
What are the hardware and software requirements for Online banking?
How secure is Online banking?
How do I sign up for Online Banking?
What if I can't see the entire Online Banking screen?
Are the User ID and Password case sensitive?
How do I change my password?
What should I do if I cannot access my Online Banking account?
What accounts can I access using Online Banking?
What account details can I see using Online Banking?
How do I transfer money from one account to another using Online Banking?
What are the recommended versions of Quicken or Microsoft Money?
How will I use Online Banking with Quicken or Microsoft Money?
How should I log out of Online Banking?
What if I have additional questions about Online Banking?


What is my Routing & Transit number?

The Routing & Transit number for Capital Bank is 067011760

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How much does Online Banking cost?

Online Banking is a free service for Capital Bank clients when you use it to perform basic banking functions. All checking account clients are privileged to unlimited transactions for free.

Note: The bill payment option may be terminated after 120 days of consecutive inactivity.

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How do I waive the mailing of my monthly paper bank statements?

View our simple step by step guide.

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What are the hardware and software requirements for Online Banking?

To use Online Banking, all you need is a browser with 128 bit encryption, such as Netscape Navigator™ (version 6.0 or higher), America Online® (6.0 or higher), Internet Explorer® (6.0 or higher), Firefox® (1.0 or higher) or Opera® (6.0 or higher) and any computer that accesses the Internet.

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How secure is Online Banking?

Online Banking is secured using 128 bit SSL encryption. This encryption level is compatible with Netscape Navigator™ (version 6.0 or higher), America Online® (6.0 or higher), Internet Explorer® (6.0 or higher) Firefox® (1.0 or higher) or Opera® (6.0 or higher). If you are in the secured site, depending on the browser, either a small key or padlock will be highlighted. For more information on site security or the privacy policy, please click the security button present at the bottom of all Online Banking screens.

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How do I sign up for Online Banking?

Signing up for Online Banking is easy. To enroll in this free service, visit our homepage and under Online Banking, click on Enroll Now. You will then be required to accept the Online Banking Agreement and Initial Disclosure. After accepting the agreement and disclosure, you will be taken to the first time login page. Once you fill out your information and complete the first time login, you will be ready to do your banking online for free! For further assistance, please feel free to call Capital Bank customer service at 800.639.5111 or visit your local branch.

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What if I can't see the entire Online Banking screen?

Online Banking is best viewed at a screen resolution of 1024 x 768. To check your screen resolution, follow the steps for the appropriate operating system:

Windows 95 or better

* Minimize or Exit all applications
* Right click on your desktop away from any icons
* Choose properties from the pop-up menu
* Click on the settings tab
* Change the desktop area to be 1024 x 768 or higher and Click OK
* Windows will resize your desktop and ask if you should keep the settings. Click OK. Please note that some of the icons will be smaller.

Macintosh OS version 9.0 or better

* Exit all applications and choose Control Panels / Monitors
* Select the Resolution to be 1024 x 768
* Click OK to accept the new settings

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Are the User ID and Password case sensitive?

Yes. If you type your new user ID and password in all lower case letters, you will need to always type your user ID and password in lower case. Be careful of the CAPS LOCK under the TAB. It is a very easy mistake to press the CAPS LOCK and then quickly lock yourself out of Online Banking.

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How do I change my password?

Click USER PREFERENCES and CHANGE PASSWORD.

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What should I do if I cannot access my Online Banking account?

If you cannot access your CB Connect account, please do one of the following:

* Email customerservice@capitalbank-us.com.
* Call customer service at 800.639.5111 from 7 a.m. to 8 p.m., Monday through Friday or from 9 a.m. to 1 p.m. on Saturday.
* Call or visit your nearest Capital Bank branch.

A Capital Bank associate will work with you to resolve the issue. Capital Bank associates can only assist with Online Banking issues, not personal computer or Internet connection problems.

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What accounts can I access using Online Banking?

Using Online Banking, you can access all of your Capital Bank accounts including checking, savings, certificates of deposit and loans. You must be a signer on the account to be able to access it online.

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What account details can I see using Online Banking?

Depending on the type of account, details include:

* Current and available account balance.
* Transaction history including ATM transactions, debit card purchases, deposits, transfers and withdrawals.
* Statement information for the current and previous month.
* Interest information including the current rate and the amount paid for the current and previous year.

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How do I transfer money from one account to another using Online Banking?

There are two different types of transfers available: a scheduled transfer and a one-time transfer.

1. A scheduled transfer includes the transfer from account, transfer to account, amount, transfer date and scheduled interval.

2. A one-time transfer includes the transfer from account, transfer to account and amount. The transfer will take place on the next business day after the transfer is created. The transfer can be verified by checking the account balances using Online Banking.

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What are the recommended versions of Quicken or Microsoft Money?

The versions that provide the best integration with Online Banking are Quicken 2001 and higher and Microsoft Money 2000 and higher.

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How will I use Online Banking with Quicken or Microsoft Money?

The Export Transactions button allows your account information to be exported for use in an Excel spreadsheet or a financial management program such as Quicken or Microsoft Money. To export your account:

* Click the ACCOUNT ACCESS button.
* Click on the EXPORT button and choose the account that you wish to export transactions from.
* Select a date range and choose your desired format.
* Click on the DOWNLOAD DATA button.

After the DOWNLOAD DATA button has been pressed, the file will be exported and will need to be saved to the directory that you have chosen and from there may be imported into the application of your choice.

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How should I log out of Online Banking?

To exit or log out of Online Banking, click the EXIT button. While you are logged into Online Banking, you have an online session running on our bank's host computer system. By clicking on the EXIT  button, you are properly closing your connection to the host system and helping to insure that your next login will be successful!

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What if I have additional questions about Online Banking?

If you have additional questions about Online Banking:

* Email customerservice@capitalbank-us.com.
* Call customer service at 800.639.5111 from 7 a.m. to 8 p.m., Monday through Friday or from 9 a.m. to 1 p.m. on Saturday.
* Call or visit your nearest Capital Bank branch.

A Capital Bank associate will work with you to resolve the issue. Capital Bank associates can only assist with Online Banking issues, not personal computer or Internet connection problems.

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