Checking

 

Your checking account should keep up with your life—giving you the flexibility to relax at home or be on the go and still know you have access to your funds. That is why we designed our checking accounts to include these features at no charge:

  • Online Banking
  • Online Bill Pay
  • Paper or Electronic Statements
  • Unlimited MasterCard® debit card usage
  • Unlimited checkwriting
  • Mobile Banking*

*Service provider fees may apply. Available to legacy CapStone Bank customers on May 14, 2013.

Basic Checking

Combining checking account essentials with CapStone's exceptional service, Basic Checking is ideal for customers who carry a lower minimum balance, prefer the convenience of paperless statements, and are looking for features such as:

  • Opening deposit of just $100
  • No monthly maintenance fee
  • No minimum daily balance requirement
  • Unlimited CapStone Bank ATM usage
  • Five (5) no-charge transactions at non-CapStone ATMs*

* $1.50 per transaction fee applies once you exceed five (5) non-CapStone ATM transactions, plus the other institution's charges as/if applicable.

Premier Checking

Designed for customers who carry a higher account balance or have multiple accounts with CapStone Bank, this interest-bearing account includes:

  • Opening deposit of $1,000
  • No monthly maintenance fee (when minimum required balance is maintained*)
  • Unlimited CapStone Bank ATM usage
  • Six (6) no-charge transactions at non-CapStone ATMs**
  • Tiered interest rates based on collected balance
  • Wallet-style, single-part checks at no charge
  • Visa® TravelMoney Card at no charge
  • Official checks (one per month) at no charge
  • Small safe deposit box (3” by 5”) at no charge (or similar/equal credit toward a larger box)
  • “No Penalty” CD withdrawal for medical emergencies

*To avoid a regular monthly maintenance fee, account must maintain a $1,500 minimum balance, or $3,000 average daily balance, or account holder must have $5,000 in combined balances in CapStone Bank personal checking, savings and/or money market accounts. If balance requirements are not met, a $10 monthly maintenance fee will apply. ** $1.50 per transaction fee applies once you exceed six (6) non-CapStone ATM transactions, plus the other institution's charges as/if applicable.

Interested in overdraft protection for your checking account? Learn more>>