Deposit Accounts
At CapStone Bank, we offer effective solutions for your personal banking needs. Using a straightforward, common-sense approach, we designed our products and services to make reaching your individual financial goals as simple as possible. And they’re delivered with the consistently exceptional service that makes every CapStone Bank experience uniquely personal and rewarding.
By taking advantage of the full range of products and convenience services described here, you can begin a banking relationship that will help you build a solid financial future.
We look forward to serving you. Our selection includes:
Checking Accounts
High Yield Checking
Our deluxe banking package includes unlimited, interest-bearing checking along with
an array of banking privileges. You may even wish to consolidate your money market
and checking funds in this account for increased earnings and convenience.
- No monthly maintenance fee
- No minimum balance requirements
- Interest paid based on tiered rates that increase with your
balances
- Refund of up to six non-CapStone Bank ATM transaction fees per month
- Free Online Banking and Bill Pay
- No-fee American Express® Travelers Cheques and official checks
- Free wallet-style checks
- Free 3x5 safe deposit box or credit toward larger box
(subject to availability)
- No-penalty CD withdrawal for medical emergencies
- $1,000 minimum to open
<< Back to Top
Savings / Investment Accounts
Personal Savings
This secure account enables you to earn interest while saving for specific
purposes or to keep funds available for easy access.
- $300 minimum to open
- Interest paid based on tiered rates that increase with your
balances
- No monthly fee with $300 minimum balance or for account holders
under 18 or 55 and over; otherwise, $7 per month
<< Back to Top
Money Market
An insured account offering you the attractive returns of money market rates
along with the flexibility and convenience of check writing. Interest is
paid at tiered rates that increase as your account grows.
- Up to 6 withdrawals per month (3 of which may be by check)
at no charge; $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
<< Back to Top
Certificate 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.
<< Back to Top
Health Savings
Accounts (HSAs)
If you are under 65 with a high-deductible health plan, this tax-exempt,
interest-bearing account allows you to pay or be reimbursed for qualified
medical expenses incurred by you, your spouse and your dependents. A CapStone
Bank HSA features our exclusive online Deductible Tracker to help you track
the medical expenses that apply toward your deductible and any qualified
expenses for tax purposes throughout the year. You also get the added benefits
of free Internet Banking and Bill Pay along with the ability to access your
HSA either by check or debit card. For details, ask a bank representative.
<< Back to Top
IRAs
Designed to reduce your taxes while helping you save for your retirement,
CapStone Bank IRAs, both new and rollovers, are available in several types,
including Simple, SEP, ROTH and Education. We'll help you select the best
option for your investment goals.
<< Back to Top
|
