Smart Checking

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

  • Exceptional rewards annual percentage yield (APY) earned on daily collected balance.
  • Minimum opening deposit is only $100
  • Up to $20 credit for Capital Bank and ATM owner fees*
  • Unlimited transactions.
  • Includes official checks & notary services
  • Monthly electronic statement includes check images.
  • Monthly conditions include each of the following:
    • One direct deposit or draft
    • Ten posted debit/check card transactions
    • waive the mailing of monthly statements and receive eStatements through online banking
  • $1500 or more average daily checking balance (average balance for statement cycle) avoids the $12 monthly account service charge*

Sign up for Smart Checking at your local community branch or call 800.639.5111 for more details.

Overdraft Protection is also available pending credit approval.

Switch KitThe 5-Step Capital Bank Switch Kit is the easy way to move your checking account. Learn More


 *ATM refunds up to $20 per statement cycle. *Your account will earn the current rewards annual percentage yield (APY) on balances between one penny and $10,000 and a variable rate on all amounts above $10,000 for each cycle that the following requirements are met: waive the mailing of monthly statements and receive eStatements through online banking , ten posted debit/check card transactions and one direct deposit or draft. If you do not meet these requirements, your account will still function as a checking account earning a variable APY, however it will not receive ATM refunds for that cycle. No minimum balance required; $100 required opening deposit for this account. Personal accounts only, limit one account per ownership agreement, not to exceed three accounts per household. Businesses, including DBA's will not be eligible to have Smart Checking. $1500 or more average daily checking balance avoids the $12 monthly account service charge. Rates are variable and subject to change.