Checking

A business checking account provides the foundation of your financial services. That’s why CapStone designed a line of accounts with the features and benefits you need to make banking with us seamless, effective, and efficient for your business.

All business checking accounts include these features at no charge:

  • Online Banking
  • Online Bill Pay
  • MasterCard® debit card
  • Choice of paper or electronic statements (with check images)
  • Night deposit service
  • Mobile Banking (Service provider fees may apply. Available to legacy CapStone Bank customers on May 14, 2013.)

Plus, you receive:

  • A $50 credit toward your first check order
  • Access to Wire Transfer services, ACH Origination, and Cash Management services

Select the checking accounts you are interested in learning more about:

Business Checking
Remote Business Checking
Analysis Checking
Nonprofit Checking
IOLTA Checking 

Business Checking

Designed for businesses that have a smaller number of monthly transactions, Business Checking includes the account essentials you need, including:

  • Opening deposit of $1,000
  • No monthly maintenance fee (when minimum required balance is maintained*)
  • Up to 250 checks, deposits, or items deposited per statement cycle**

*To avoid a monthly maintenance fee, account must maintain a $1,500 minimum balance, or a $3,000 average daily balance. If balance requirements are not met, a $10 monthly maintenance fee will apply. **The per-item charge for each check, deposit, or item deposited over 250 total per statement cycle is $0.50.

Remote Business Checking

Bring the bank to you with Remote Business Checking. With this account, you’ll receive a scanner that allows you to deposit checks at any time directly from your office. All you need is a computer, a CapStone-provided scanner, and a high-speed Internet connection.

Account features include:

  • Opening deposit of $1,000
  • Use of Remote Deposit scanner, software, installation, training, and support at no additional charge
  • No monthly maintenance fee (when minimum required balance is maintained*)
  • Up to 250 checks, deposits, or items deposited per statement cycle**
  • 24 months of deposit history, with research capability

*To avoid a monthly maintenance fee, account must maintain a $5,000 minimum balance, or a $10,000 average daily balance. If conditions are not met, a $35 monthly maintenance fee will apply. Credit restrictions may apply. **The per-item charge for each check, deposit, or item deposited over 250 total per statement cycle is $0.50.

Analysis Checking

The account for customers with a large number of transactions each month, Analysis Checking allows you to accrue an earnings credit based on your balances to potentially offset monthly service and activity charges.

Account features include:

  • Opening deposit of $1,000
  • Offset or reduce potential charges with an earnings credit*
  • Interest-bearing option available with addition of Repurchase Sweep Account
  • Remote Deposit service available

*The monthly maintenance fee for this account is $15. Please refer to separate fee schedule for detailed charges, activity fees, and other miscellaneous fees.

Nonprofit Checking

Exclusively available to nonprofit organizations, this account provides the flexibility and affordability critical to managing a not-for-profit.

    • No minimum to open, no minimum balance required
    • Tiered interest rates based on account balance
    • No monthly maintenance fee
    • Up to 250 checks, deposits, or items deposited per statement cycle*

*The per-item charge for each check, deposit, or item deposited over 250 total per statement cycle is $0.50.

IOLTA—Interest on Lawyers’ Trust Account

The IOLTA is an interest-bearing account exclusively available to lawyers and law firms. Interest earned on the account is forwarded by CapStone to the North Carolina State Bar where it is pooled together and used for public interest projects.

  • No minimum deposit to open
  • Earnings credit available
  • One stop payment per statement cycle at no charge
  • Discounted wire transfer fees
  • Cash Management services included
  • Remote Deposit included

The monthly maintenance fee is $15. Allowable charges offset against interest earned.