Personal Checking Accounts

We offer unique and flexible methods to banking. All of our Personal Checking products have been designed with your needs in mind. Find out which account is best suited for your lifestyle and banking needs.

(select a tab to view account features)

Capstone Checking

How does no monthly maintenance fee sound to you? Pretty good, huh? With Capstone Checking, you get the personal service that we offer to all of our customers. Sometimes, it can feel like your bank is just there to collect fees and send you notices, but at Capstone Bank, we strive for customer service and personal relationships.  We want to be a part of your financial success, and we are pleased and happy to be able to play our role.

  • Unlimited Check Writing
  • No ATM Transaction Fees Nationwide
  • Automated Telephone Service
  • Online Banking/Bill Pay
  • No Charge for first order of Capstone Bank Logo Checks
  • Direct Deposit
  • Notary Services
  • ATM/Debit Card
  • E - Statements

Overdraft/return item fees may apply.
View minimum balance requirements and terms.

Capstone Elite

Are you over 60 years old?  If so, and you would like an account designed for easy access and convenient ways to manage your money, the Elite Account is for you.

  • Must be 60+ years old
  • Must maintain Direct Deposit
  • No ATM Transaction Fees Nationwide
  • Automated Telephone Service
  • Online Banking/Bill Pay
  • No Charge for first order of Capstone Bank Logo Checks
  • Notary Services
  • ATM/Debit Card
  • One Free Cashier's Check per month
  • E - Statements

Overdraft/return item fees may apply.
View minimum balance requirements and terms.

Capstone Plus

Would you like to earn interest on your checking account and also receive accommodating services with discounts on other Capstone Bank services? Take a look at the Capstone Plus account.

  • Minimum daily collected balance to waive service charge
  • Interest Bearing Account
  • No ATM Transaction Fees Nationwide
  • Automated Telephone Service
  • Online Banking/Bill Pay
  • No Charge for first order of Capstone Bank Logo Checks
  • Direct Deposit
  • Notary Services
  • E - Statements

Overdraft/return item fees may apply.
View minimum balance requirements and terms.

Capstone Summit

Are you interested in a checking account that pays the best interest rates, accommodating services with individual attention, and discounts with other Capstone Bank services? Do you have the tendency to keep a higher balance but want the flexibility of a checking account rather than a Money Market account? The Capstone Summit account may be the account for you.

  • Minimum daily collected balance to waive service charge
  • Interest Bearing Account
  • No ATM Transaction Fees Nationwide
  • Automated Telephone Service
  • Online Banking/Bill Pay
  • No Charge for first order of Capstone Bank Logo Checks
  • Direct Deposit
  • Notary Services
  • E - Statements

Overdraft/return item fees may apply.
View minimum balance requirements and terms.

 

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