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Savings Accounts for Individuals

Savings Accounts Comparison Chart

Account & Features

Value Savings

Personal Savings

Description

An interest-bearing account with low deposit requirements

An interest bearing account

Opening Deposit Required 1

$50.00

$100.00

Interest Bearing (APY compounded and paid quarterly)

 Yes, if $100.00 minimum average daily balance is maintained each quarterly statement

Yes, if $100.00 minimum average daily balance is maintained each quarterly statement

Average Daily Balance Required to Avoid Monthly Service Charge

$100.00

$250.00

Monthly Service Charge

$8.00

$8.00

Other Ways to Avoid Charges

Total limit of 6 withdrawals per month by check, ACH or account transfer; $3.00 service charge per each withdrawal over limit2

Total limit of 6 withdrawals per month by check, ACH or account transfer; $3.00 service charge per each withdrawal over limit2 

Benefits

Online Banking

Check Check

Online Bill Pay

Check Check

Capital Bank ATM access

Check Check

ATM card

Check Check

ATM surcharge fee reimbursement3

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

 

Value 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

 

Requirements

  • $50.00 opening deposit; must maintain $100.00 minimum average daily balance in order to earn APY each quarterly statement cycle
  • If account is closed within first 90 days, a $25.00 closing fee applies
  • $100.00 average daily balance required to avoid $8.00 monthly service charge
  • 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.

 

Personal 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

 

Requirements

  • $100.00 opening deposit; must maintain $100.00 minimum average daily balance in order to earn APY each quarterly statement cycle
  • If account is closed within first 90 days, a $25.00 closing fee applies
  • $250.00 average daily balance required to avoid $8.00 monthly service charge
  • 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.

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