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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
Monthly Fee N/A
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 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
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Free bill pay. Pay your bills to practically anyone in the United States through Capital Bank.
  • Hard credit pull. Capital Bank may require a hard pull on your credit report to open a checking account.
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, your Capital Bank checking accounts are 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 Account Minimums
Description Amount
Minimum Initial Deposit $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 N/A
Paper Statement Fee N/A
ATM Fee: In-Network N/A
ATM Fee: Out-of-Network N/A
NSF Fee N/A
Overdraft Protection Fee (per transfer) N/A
Overdraft Item Fee N/A
Early Account Closure N/A
Returned Deposit Fee (Domestic) N/A
Debit Card Replacement Fee N/A
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee N/A
Stop Payment Fee N/A
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) N/A
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) N/A
Wire Transfer Fee - Domestic (Incoming) $15
ATM Reimbursement Monthly Limit N/A

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

This account includes the following features:

  • Automatic savings - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.
  • Free Bill Pay - 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 2 states
  • New York
  • Pennsylvania

Feature Breakdown

Minimum Initial Deposit $25
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $40
Bank Account Features
  • FDIC Member
  • Automatic Savings
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • No Monthly Maintenance Fee

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SUPERMONEY NET RECOMMENDATION SCORE

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