Business Checking

We believe you need options as no two businesses have the same banking needs. Whether you are just starting out or have more complex requirements, we have an account for you.

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Business Checking Account Benefits

  • Free Online Banking
  • Free Mobile Banking
  • Free Mobile Deposits*
  • Free Bill Payment
  • Free eStatements
  • Access to over 55,000 surcharge free ATMs worldwide
  • Capital Bank Mastercard® Business Debit Card

*Daily deposit amounts and transactions are limited – See Cash Management for an alternative business deposit capture product.

Small Business Checking

If you are a business or organization with smaller volumes and basic checking needs, this account is right for you.

Business Checking

A checking product for growing businesses with elevated banking activity levels.

Commercial Checking

Commercial Checking is the solution for customers with higher balances and activity. An earnings credit is calculated each month based on the balances maintained. This earnings credit is applied to the cost of services (number of debits/credits posted, wire transfers, change orders, stop payments, deposited currency, etc.) to offset a portion (if not all) of your service charges. Paired with Cash Management Services, this account will give you greater financial control.

Capital NOW Business Checking2

If you are a sole proprietor, a non-profit organization or a government agency seeking to earn interest on your checking account, this account may be right for you.

Capital NOW IOLTA Checking3

This type of account allows attorneys to meet requirements for placing funds in IOLTA accounts.

Capital Bank Business Checking Accounts Comparison Chart

Accounts

Small Business Checking1

Business Checking1 

Commercial Analyzed Checking1 

Capital NOW Business Checking2

Capital NOW IOLTA Checking3

Monthly Maintenance Fee

No maintenance fee with a minimum daily balance of $3,000, otherwise $12.

No maintenance fee with an average collected balance of $25,000, otherwise $16 

$20 maintenance fee

An earnings credit is calculated each month based on the investable balances maintained. The earnings credit is applied to the cost of ALL services utilized throughout the month to offset a portion (if not all) of the service charges.

No maintenance fee with a minimum daily balance of $2,000, otherwise $12.

No maintenance fee

Transactions

Up to 100 transactions per statement cycle included. Each additional transaction is $0.35 (includes all debits, credits and items deposited).

Up to 250 transactions per statement cycle included. Each additional transaction is $0.30 (includes all debits, credits and items deposited).
  • Deposit/Credit/ACH Credit (per item) $0.40
  • Check/Debit/ACH Debit (per item) $0.18
  • Deposited Item
    (per item) $0.12

Unlimited transactions with a $2,000 minimum daily balance, otherwise $0.10 per transaction (includes all debit and credit transactions).

Unlimited

Interest

None

None

None

Maintain $2,000 average daily balance to earn interest. Interest accrues daily and is paid monthly.

No minimum balance required to earn interest. Interest accrues daily and is paid monthly. 

Minimum to Open

$100

 $100

$100

$100

$100

 Paper Statement

$3 

 $3

$3

$3

None 

BOI Reference Guide for Businesses

Miscellaneous Fees 

1Cash Deposited Processing Fees apply - Per statement cycle, first $10,000 is at no charge - $1.50 per $1,000 deposited thereafter.
1Negative Available Balance Fees apply - See our Business Banking Schedule of Fees.
2Limited to Sole Proprietors, certain non-profit organizations, or government agencies
3Operating account required.

Capital Bank requires entity information regarding Beneficial Ownership for Corporations, Partnerships and Limited Liability Companies. For additional information visit our Beneficial Ownership of Legal Entities.

 

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