Account and Service Fees
Learn more about the service fees, charges and required balance amounts for our consumer accounts, along with other accounts.
| Checking Accounts | Service Charges |
|---|---|
| Premier Checking | |
| If combined balances1 total $5,000 | No charge |
| If combined balances1 are below $5,000 | $12 per month |
| View and print an account service fee guide | |
| Premier Plus Banking Bundle (available as an add-on to Premier Checking) | |
| If combined balances1 total $25,000 | No charge |
| If combined balances1 are below $25,000 | $6 per month (Premier Checking fee may also apply) |
| Select Checking | |
| Select Checking | $9 per month |
| Service charge rebated with a minimum of 15 customer initiated debits and one direct deposit per statement cycle. | |
| Mailed image statements | $2 per month |
| Conventional paper statements | $3 per month |
| View and print an account service fee guide | |
| Express Checking | |
| Express Checking | $7 per month |
| Service charge rebated with a minimum of one direct deposit per statement cycle. | |
| View and print an account service fee guide | |
| Classic Checking | |
| Classic Checking | $8 per month |
| View and print an account service fee guide | |
| Savings Accounts | Service Charges |
|---|---|
| Money Market Savings | |
| If the combined balance2 is at least $5,000 | No charge |
| If the combined balance2 is less than $5,000 | $9 per month |
| Traditional Savings | |
| Daily balance of $250 or more all quarter | No charge |
| Daily balance below $250 | $5 per quarter |
| Charge for each withdrawal exceeding three per quarter, if your average daily balance for the quarter is less than $250 | $2 |
| Minimum Opening Deposits | ||
|---|---|---|
| Checking | $50 | |
| Savings | $50 | |
| IRA Accounts | $100 | |
| Add-on CD | $500 | |
| CD (term of 1 year or more) | $1,000 | |
| CD (term under 1 year) | $1,000 | |
| Other Fees | |
|---|---|
| A Dormant Fee is imposed on checking accounts with balances under $5,000 if there have been no deposits or withdrawals in one year. | $5 per month |
| There are no dormant fees assessed on savings accounts. | |
| ATM transaction fees at Capital Bank or First Tennessee ATMs using a Capital Bank Debit card issued by First Tennessee for deposits, cash withdrawals, or most balance inquiries. | No charge |
| Transaction fees at Allpoint ATMs in the U.S. | No charge |
| ATM Transaction Fees at other non-Capital Bank or non-First Tennessee ATMs | $3 for each account transaction or balance inquiry |
| QuickStatements® | $2 each |
| Return check/overdraft charges | $37 each |
| A Charge Back Check Fee is imposed for each check you deposit that is returned to us unpaid and debited from your account. | $16 each |
| Stop Payment Requests | $37 each |
| Cancelled Checks: A charge is imposed if you choose to receive original cancelled checks with your statement. | $1 per month |
| Digital Banking | No charge |
| Bill Pay Online | No charge |
| Mobile Banking | No charge |
| Cashier's Check | $8 |
| Legal Action Processing Fee | $100 |
| Account Research and Records | $3 per item |
| Statement Print Screen | $2 per request |
| Domestic Wire Transfers | |
| Incoming | $15 |
| Outgoing | $25 |
| International Wire Transfers | |
| Incoming | $15 |
| Outgoing | $55 |
If you'd like to learn how to minimize or avoid certain fees, click here.
