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Last Updated: 01/21/2026

Capital Bank Now Account

from Capital Bank

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

0% - 0.02%(Verified 06/21/2024)

Disclaimer popup with additional information

Monthly Maintenance Fee

Up to $10(Verified 01/21/2026)

Capital Bank Now Account Review

The Capital Bank Now Account is offered by Capital Bank, a bank founded in 1995 and based in Albany, NY. Capital Bank Now Account is available in 2 states.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.02% .
Charges a monthly fee. This account charges a monthly fee of up to $10.
No minimum initial deposit. There is no minimum balance required to open an account online.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Capital Bank mobile or online banking.

Capital Bank Now Account Pros & Cons

Pros

Cons

Interest-yielding account.
Access to physical branches.
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.

Capital Bank Now Account FAQ

Are checking accounts from Capital Bank federally insured?

Yes, your deposits are insured 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 Now Account offer?

Capital Bank Now Account offers an APY starting at 0% and ranging up to 0.02% (APY stands for annual percentage yield, rates may change).

Capital Bank Now Account Rates and Terms

Rates

Amount

APY (Annual Percentage Yield)

0% - 0.02%

What are the account minimums for Capital Bank Now Account?

Capital Bank Now Account does not require a minimum initial deposit.

Capital Bank Now Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $NaN

Minimum Balance to Earn APY

$NaN

Minimum Opening Deposit

Starting at $NaN

What fees does Capital Bank Now Account charge?

This account charges a monthly maintenance fee each statement cycle of up to $10.

Capital Bank Now Account Fees

Description

Monthly Maintenance Fee

Up to $10

ATM Fee: In-Network

Starting at $0

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $25

Wire Transfer Fee - International (Outgoing)

Starting at $40

Wire Transfer Fee - International (Incoming)

Starting at $15

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

What features and perks does Capital Bank Now 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 Now Account allows you to manage your money online or with a mobile app.

What is the customer support email for Capital Bank Now Account?

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

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Message from Capital Bank Now Account

Individuals, municipalities, and all organizations, associations and corporations that are organized as not-for-profit and can invest at least $1,000 are eligible for a NOW account, which offers interest-bearing opportunities depending on the account balance.

Contact

Headquarters

132 State Streen

Albany, NY 12207

Visit Site

Email Support

Hours of Operation

SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturday9:00AM - 1:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.