Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0% - 0.02%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service 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
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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). 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).
| 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.
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service 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
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