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Checking Accounts Comparison Chart

Account & Features

VALUE CHECKING

INTEREST CHECKING

CAPITAL GAIN CHECKING

MONEY MARKET

Description

A convenient account with benefits

An interest bearing account with checking account advantages

An account with premier benefits for high balance account holders

A savings account with checking account benefits 1

Opening Deposit Required 2

$50.00

$100.00

$100.00

$100.00

Interest Bearing (APY compounded and paid monthly)

No

Yes

Yes3

Yes3

Monthly Service Charge

None

$15.00

$17.50

$10.00

Average Daily Balance Required to Avoid Monthly Service Charge

N/A

$2,500.00

$5,000.00

$5,000.00

Benefits

Online Banking

Check Check Check Check

Online Bill Pay

Check Check Check Check

Unlimited Check Writing

Check Check Check  

Capital Bank ATM access

Check Check Check Check

MasterCard
debit card

Check Check Check Check

ATM surcharge fee reimbursement4

  Check Check  

Complimentary Checks

    Check5  

Complimentary
Stop Payments

    Check5  

Complimentary
Cashier's Checks

    Check5  

1 Federal Regulation D limits the transactions on your account to a maximum of six transfers and/or withdrawals by pre-authorized, automatic or Telephone/Internet transfers, check, draft, or debit card during each monthly statement cycle. Checks are counted as of the date they post to your account, not the date they are written. There are no regulatory restrictions on transactions at the ATM or teller window. Service charge of $10.00 for each withdrawal after 6 per month will be assessed. Capital Bank reserves the right to close or reclassify your account if these limitations are exceeded on a recurring basis.

2 If account is closed within first 90 days, a $25.00 closing fee applies.

3 Must maintain $100.00 minimum average daily balance in order to earn APY.

4 ATM surcharge fees are reimbursed up to $20.00 per month

5 Additional benefits of complimentary checks, stop payments and cashier's checks for clients with combined daily average balances of $25,000.00 each statement cycle or more in all individual accounts.

 

Value Checking

Benefits

  • No minimum balance
  • No maintenance fees
  • Unlimited check writing
  • Online banking
  • Online bill pay
  • Capital Bank ATM access
  • MasterCard debit card

Requirements

  • $50.00 opening deposit
  • If account is closed within first 90 days, a $25.00 closing fee applies

Interest Checking

Benefits

  • Interest (APY) compounded and paid monthly
  • Unlimited check writing
  • Online banking
  • Online bill pay
  • Capital Bank ATM access
  • MasterCard debit card
  • ATM surcharge fee reimbursement, up to $20.00 per month

Requirements

  • $100.00 opening deposit
  • $2,500.00 average daily balance required to avoid $15.00 monthly service charge
  • If account is closed within first 90 days, a $25.00 closing fee applies

Capital Gain Checking

Benefits

  • Interest (APY) compounded and paid monthly
  • Unlimited check writing
  • Online banking
  • Online bill pay
  • Capital Bank ATM access
  • MasterCard debit card
  • ATM surcharge fee reimbursement, up to $20.00 per month
  • Additional benefits of complimentary checks, stop payments and cashier's checks for clients with combined daily average balances of $25,000.00 or more in all individual accounts

Requirements

  • $100.00 opening deposit; must maintain $100.00 minimum daily balance in each statement cycle to earn APY
  • $5,000.00 combined average daily balance required to avoid $17.50 monthly service charge
  • If account is closed within first 90 days, a $25.00 closing fee applies

Money Market

Benefits

  • Interest (APY) compounded and paid monthly
  • Online banking
  • Online bill pay
  • MasterCard debit card
  • Capital Bank ATM access
  • Unlimited ATM and teller withdrawals

Requirements

  • $100.00 opening deposit; must maintain $100.00 minimum daily balance in each statement cycle to earn APY
  • $5,000.00 average daily balance required to avoid $10.00 monthly service charge
  • If account is closed within first 90 days, a $25.00 closing fee applies
  • Federal Regulation D limits the transactions on your account to a maximum of six transfers and/or withdrawals by pre-authorized, automatic or Telephone/Internet transfers, check, draft, or debit card during each monthly statement cycle. Checks are counted as of the date they post to your account, not the date they are written. There are no regulatory restrictions on transactions at the ATM or teller window. Service charge of $10.00 for each withdrawal after 6 per month will be assessed. Capital Bank reserves the right to close or reclassify your account if these limitations are exceeded on a recurring basis.

 

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