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Commercial depository services

Commercial Accounts Comparison Chart

Account & Features

NON-ANALYZED CHECKING ACCOUNT

ANALYZED CHECKING ACCOUNT

SAVINGS ACCOUNT

MONEY MARKET ACCOUNT

Description

A checking account with no monthly service charges

A customized account with Treasury Management services for high volume needs

An interest-bearing account with low minimum balance requirements

An interest-bearing account for high balance holders

Opening Deposit Required 1

$100.00

$100.00

$100.00

$100.00

Monthly Service Charge

None

$8.00

$10.00

$10.00

Other Ways to Avoid Fees

  • Maximum 50 deposit and credits per cycle ($0.70 cents per each additional)
  • Maximum 200 deposited items per cycle ($0.40 cents per each additional)
  • Maximum 150 checks and debits per cycle ($0.35 cents per each additional)
  • Customized earnings credit may reduce incurred fees
  • Transaction fees of $0.30 per deposit/credit, $0.09 per deposited item and $0.11 per check/other debit
  • $500.00 average daily balance required to avoid $10.00 monthly service charge
  • Limit of 6 withdrawals per month by automatic or telephone transfer, check, ACH drafts, or debit card; $3.00 service charge per transaction in excess of 62
  • $5,000.00 average daily balance required to avoid monthly maintenance fee
  • Limit of 6 withdrawals per month by automatic or telephone transfer, check, ACH drafts, or debit card; $10.00 service charge per transaction in excess of 62

Interest Bearing (APY compounded and paid quarterly for savings; monthly for money market)

No

No

Yes 3

Yes 3

Benefits

Online Banking

Check Check Check Check

Online Bill Pay

Check Check Check Check

Capital Bank ATM access

Check Check Check Check

MasterCard
debit card

Check Check Check Check

ATM surcharge fee reimbursement 4

Check Check Check Check

Unlimited ATM and teller withdrawals

    Check Check

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

2 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 month. 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 $3.00 (Savings accounts) and $10.00 (Money Market accounts) 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.

Must maintain $100.00 minimum average daily balance in order to earn APY each statement cycle, monthly (Money Market accounts), quarterly (Savings accounts.)

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

 

Non-Analyzed Checking

Benefits

  • No minimum balance
  • No maintenance fees
  • 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
  • If account is closed within first 90 days, $25.00 closing fee applies
  • Maximum 50 deposit and credits per cycle ($0.70 cents per each additional)
  • Maximum 200 deposited items per cycle ($0.40 cents per each additional)
  • Maximum 150 checks and debits per cycle ($0.35 cents per each additional)

Analyzed Checking

Benefits

  • Customized earnings credit may reduce fees expense
  • Treasury Management services
  • 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
  • If account is closed within first 90 days, $25.00 closing fee applies
  • $8.00 monthly maintenance fee
  • Transaction fees of $0.30 per deposit/credit, $0.09 per deposited item and $0.11 per check/other debit

Commercial Savings

Benefits

  • Interest (APY) compounded and paid quarterly
  • Online banking
  • Online bill pay
  • Capital Bank ATM access
  • ATM card
  • ATM surcharge fee reimbursement, up to $20.00 per month
  • Unlimited ATM and teller withdrawals

Requirements

  • $100.00 opening deposit; must maintain $100.00 minimum balance in order to earn APY
  • $500.00 average daily balance required to avoid $10.00 monthly maintenance fee
  • If account is closed within first 90 days, $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 month. 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 $3.00 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.

Commercial Money Market

Benefits

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

Requirements

  • $100.00 opening deposit; must maintain $100.00 balance in order to earn APY
  • $5,000.00 average daily balance required to avoid $10.00 monthly maintenance fee
  • If account is closed within first 90 days, $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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