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  Capital Bank Free Checking Account
Capital Bank Free Checking Account
in Checking Accounts from Capital Bank · Member FDIC
Unaffiliated

Capital Bank Free Checking Account

Unaffiliated
in Checking Accounts from Capital Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

Capital Bank Free Checking Account Review

Capital Bank Free Checking Account is offered by Capital Bank, a bank founded in 1995 and based in Albany, NY. Capital Bank Free Checking Account is available in 2 states across the USA.

Key Takeaways

  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Bill pay. Pay your bills to practically anyone in the United States through Capital Bank.

Capital Bank Free Checking Account Pros & Cons

Pros Cons
  • Free debit card
  • No signup bonus.
  • Does not earn interest.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Only available in 2 states.
  • Higher than average wire transfer fees.

Capital Bank Free Checking Account FAQ

Are checking accounts from Capital Bank federally insured?

Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #597). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Capital Bank Free Checking Account offer?

Capital Bank Free Checking Account is not an interest bearing account.

What are the account minimums for Capital Bank Free Checking Account?

Capital Bank Free Checking Account requires a minimum initial deposit of $25 to open an account.

Capital Bank Free Checking Account Minimums
Description
Minimum Opening Deposit Starting at $25

What fees does Capital Bank Free Checking Account charge?

The good news is that this account does not have a monthly Service Charge.

Capital Bank Free Checking Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $40

What features and perks does Capital Bank Free Checking Account offer?

This account includes the following features:

  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Capital Bank Free Checking Account allows you to manage your money online or with a mobile app.

What is the customer support email for Capital Bank Free Checking Account?

The customer support email for Capital Bank Free Checking Account is contactgroup@chemungcanal.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Capital Bank

Many banks offer free checking, yet almost all of them attach "strings." Not here. Our free checking account is absolutely free, and offers additional benefits you're not likely to find elsewhere, including free online bill payment. When we say free, we mean free!

Availability

  Available in 2 states
  • New York
  • Pennsylvania

Feature Breakdown

Minimum Opening Deposit Starting at $25
Monthly Fee $0
ATM Fee: In-Network $0
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $40
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Debit Card
  • Automatic Transfers
  • Member FDIC

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