Emerald Plus Banking

With Emerald Plus Banking you'll enjoy all the benefits of Emerald Banking listed below. Account owner must be age 50 or older to qualify for this account.

If you prefer exclusive CD interest rates in addition to interest on your checking account, then Capital Bank's premier Emerald Plus Banking account is the right solution for you! With your active Emerald Plus Banking account, you can earn 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 - None
  • Interest Bearing - Yes
  • Features -
    • Emerald Banking rates on CD’s 1
    • Up to $20 in Capital Bank and ATM owner fees refunded per cycle
  • Rewards - N/A
  • Conditions to earn Rewards - N/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

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.