SMART Checking

Rewards annual percentage yield (APY) on checking balances - now that's SMART Checking! 


  • Minimum to Open - $100
  • Monthly Account Service Charge - $12
  • Requirement to avoid account service charge - $1,500 or more average daily balance (average balance for statement cycle)
  • Interest Bearing - Yes
  • Features - N/A
  • Rewards:
    • Tiered Interest Rates
    • $0- $10,000 earns highest rate of interest
    • Up to $20 in Capital Bank and ATM owner fees refunded per cycle
  • Conditions to earn Rewards:
    1. Conduct at least 10 POS debit card (Point of Sale) transactions (excludes ATM transactions and POS returns), that post and settle during the monthly statement cycle.
    2. Receive at least one direct deposit (ACH credit) or ACH debit during the monthly statement cycle.
    3. Waive the mailing of monthly paper statements and consent to receive eStatements through online banking.
  • Statement Options - Paper or eStatements available (eStatement required for rewards)
  • Additional Features:
    • Complimentary Official Checks and Notary Services
    • Unlimited Transactions
    • Free Standard Smart checks or 30% discount on custom checks (Delivery fee applies and varies by location and postal charges)

* Personal accounts only, limit one account per ownership agreement, not to exceed three accounts per household. Businesses, including DBA’s are not eligible.