Emerald Banking

If you prefer exclusive CD interest rates in addition to interest on your checking account, then Capital Bank's premier Emerald Banking account is the right solution for you! With your active Emerald Banking checking account, you can benefit from exclusive Emerald Banking CD interest rates, custom Emerald Banking checks, online banking, and a complimentary standard-size safe deposit box.


  • 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 balances 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’s1
    • Up to $20 in Capital Bank and ATM owner fees refunded per cycle
  • RewardsN/A
  • Conditions to earn RewardsN/A
  • 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 or $10 credit towards larger box

 Up to $20 in Capital Bank and ATM owner fees refunded per cycle

1 To qualify for Emerald Banking CD rates you must maintain ‘active use’ in your checking account (per statement cycle). ‘Active Use’ is defined as conducting at least (5) Check/ACH/ATM/POS or deposit transactions.