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
Rewards * Tiered Rewards Interest Rate
* $0- $10,000 earns highest rate of interest
* $10,000 + earns above market rates
* Up to $20 in ATM fee refunds per cycle including Capital Bank and ATM owner fees
Conditions to earn Rewards 1. Minimum 10 POS debit card transactions (excluding ATM, must post and settle during the statement cycle)
2. At least one direct deposit or ACH debit per cycle
3. Must waive the mailing of monthly paper statements and 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)

Sign up for Emerald Banking at your local community branch or call 800.639.5111 for more details.

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

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