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Checking Accounts
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Last Updated: 01/21/2026

Capital Bank Free Checking Account

in Checking Accounts from Capital Bank

Last Updated: 01/21/2026

Capital Bank Free Checking Account logo
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Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$0(Verified 01/21/2026)
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Capital Bank Free Checking Account Review

The 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.

Key Takeaways

  • No monthly maintenance fees. This account does not charge any monthly account fees.
  • Bill pay. Pay your bills to practically anyone in the United States when you enroll in Capital Bank mobile or online banking.

Capital Bank Free Checking Account Pros & Cons

Capital Bank Free Checking Account FAQ

Are checking accounts from Capital Bank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). 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.

What fees does Capital Bank Free Checking Account charge?

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

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.

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.

Capital Bank Free Checking Account logo

Message from Capital Bank Free Checking Account

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!

Contact

Headquarters

132 State Streen
Albany, NY 12207
Visit Site

Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 1:00PM

Other Services by Capital Bank