Deposit Accounts
Simply designed for maximum efficiency, our business checking
accounts can easily meet the demands of your company. Each features:
- $50 credit toward your first check order
- Free Online Banking and Bill Pay
- Free night deposit service
- Check images with your statements
- Optional cash management services
You also get the added advantage of All-Day Banking,
which gives you same-day credit for all transactions through closing time.
Free Business Checking
An ideal checking account for handling basic day-to-day operations and other
general needs.
- No minimum balance requirements
- No monthly maintenance fee
- Up to 500 combined debits, items deposited and credits
each month at no charge; $0.50 each thereafter
- $1,000 minimum to open
- Remote Deposit service available
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Remote Business Checking
This banking package includes services that can increase your efficiency while
reducing your monthly expenses. Features include Remote Deposit, which enables
you deposit checks electronically and eliminate trips to the bank.
- Free Remote Deposit service
- Up to 500 combined debits, items deposited and credits each month
at no charge; $0.50 each thereafter
- 10% discount on check ordered through the bank
- Free official checks
- 1 free stop payment per month
- $1,000 minimum to open
- No monthly fee with $10,000 minimum balance;
otherwise, $35 per month
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Business Interest
Checking
Exclusively for use by sole proprietorships and non-profit organizations. This
account earns interest at tiered rates that increase with your balances.
- Up to 500 combined debits, items deposited and credits each month
at no charge; $0.50 each thereafter
- $1,000 minimum to open
- No monthly fee with $2,500 minimum or $5,000 average balance;
otherwise, $12 per month
- Remote Deposit service available
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IOLTA—Interest on Lawyers’ Trust Account
Available only to attorneys and law firms. Interest paid on this account,
based on tiered rates, is forwarded to the NC State Bar for
public interest projects.
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Analysis Checking
For companies with the highest account activity levels. Analysis Checking
enables you to accrue earnings credit based on your balances to offset—and
potentially avoid—monthly service and activity charges.
- $15 monthly maintenance fee
- $1,000 minimum to open
- Remote Deposit Service Available
- Activity fees
o $0.18 per debit
o $0.12 per electronic debit
o $0.09 per item deposited
o $0.45 per credit
o $0.12 per electronic credit
Investment Accounts
Business Money Market
For companies with funds to invest, a money market account offering attractive returns
based on premium, tiered rates paid on collected balances.
- Up to six preauthorized withdrawals per month at no charge
(3 of which may be by check); $15 each thereafter
- Free Online Banking and Bill Pay
- Free wallet-style checks
- $1,000 minimum to open
- No monthly fee with $1,000 minimum or $2,500 average balance;
otherwise, $10 per month
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Certificates of Deposit
CapStone Bank CDs offer competitive rates in an FDIC-insured account. They can
be custom-tailored to your specific requirements, with interest capitalized or
paid by check or transfer. Terms are available from one month to five years.
Certificate of Deposit Account Registry Service (CDARS)
CDARS, the Certificate of Deposit Account Registry Service, is the easiest, most convenient
way to enjoy full insurance coverage on deposit amounts larger than the FDIC limit. With everything
being handled though CapStone Bank, your large deposit is broken into smaller amounts and
placed with other banks that are members of a special network. Then, those member banks
issue CDs in amounts under the FDIC limit, so that your entire investment is eligible for FDIC insurance.
For simplicity, you earn one rate on your entire investment – so you can forget about multiple
rate negotiations and the need to consolidate multiple disbursement checks. In addition,
you receive one regular account statement listing all of your CDs, along with their issuing
banks, maturity dates, interest earned, and other details. FDIC insurance coverage has never been so easy!
For more information about CDARS, please call (919) 256-6800.
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Health Savings
Accounts (HSAs)
If you have a high-deductible health plan for yourself and/or your employees,
you can reduce your total health benefit costs through the use of HSAs. These
tax-exempt, interest bearing accounts allow participants to pay or be reimbursed
for qualified medical expenses incurred by them, their spouses and dependents.
A CapStone Bank HSA features our exclusive online Deductible Tracker to help track
the medical expenses that apply toward deductibles and any qualified expenses
for tax purposes throughout the year. It also provides the added benefits of free
Internet Banking and Bill Pay along with the ability to access the HSA either by
check or debit card. For details, ask a bank representative.
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Retirement Services
We offer retirement plans developed to help ensure the long-term
financial well-being of your employees as well as your company itself. Please
contact us for more information or to set up an appointment.
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