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  Capital Bank Health Savings Account

Capital Bank Health Savings Account

in Checking Accounts from Capital Bank · Member fdic

Unaffiliated

Capital Bank Health Savings 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 $0
APY (Annual Percentage Yield) 0% - 0.03%

Capital Bank Health Savings Account Review

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

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.03%.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • 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 Health Savings Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • 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 Health Savings 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 Health Savings Account offer?

Capital Bank Health Savings Account offers an APY starting at 0% and ranging up to 0.03% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $100.

Capital Bank Health Savings Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0% - 0.03%

What are the account minimums for Capital Bank Health Savings Account?

Capital Bank Health Savings Account does not require a minimum initial deposit.

Capital Bank Health Savings Account Account Minimums
Description Amount
Minimum Initial Deposit $0
APY Minimum Balance $100

What fees does Capital Bank Health Savings Account charge?

Capital Bank Health Savings Account Fees
Description
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 Health Savings Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Capital Bank Health Savings Account allows you to manage your money online.
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Availability

  Available in 2 states
  • New York
  • Pennsylvania

Feature Breakdown

APY Minimum Balance $100
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $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
Bank Account Features
  • FDIC Member
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • Interest Bearing Account
APY (Annual Percentage Yield) 0% - 0.03%

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