Questions? Ask away.
Branches near me How do I login into Online Services? So you have a PPP loan – What is next? How do I order checks? What is your routing number?

Capital Financial Inc provides checking account options to meet your needs

With Capital Financial Inc, you have a variety of personal checking account options available to you. You’ll also enjoy free Online Services & Unlimited Bill Pay, free Mastercard® Debit Card, free Mobile Services including Mobile Deposit & Mobile Bill Pay, no ATM transaction fees when using any Capital Financial Inc or Allpoint ATMs, and free email & text alerts. Compare our checking account options below.

Personal Checking Accounts Available in Georgia Markets

Bank Rewarded
A great rate on balances up to $15,000 and up to $20 in foreign ATM fees/surcharges waived or refunded.*
No minimum balance
No monthly maintenance fee
No per check charge
How to Qualify?

*Customers must have 1 automatic payment or deposit monthly, accept online statements and complete at least 20 or more debit card transactions per statement cycle. If the qualifications are not met, a $2 monthly paper statement fee will apply.

Find a Branch
Bank Free
Online statements with access to your account 24/7 and free Online & Mobile Services.
 
No minimum balance
No monthly maintenance fee
No per check charge
How to Qualify?
Account requires selection of online statements. If after 60 days online statements are not selected, the account will transition to a Bank Simple account.
Find a Branch
Bank Simple
Life doesn’t have to be complicated - Bank Simple!

 
No minimum balance
Monthly maintenance fee $5
No per check charge
How to Waive Maintenance Fee?
20 or more debit card transactions per statement cycle
Find a Branch
Bank with Interest
Earn extra cash with an interest bearing checking option.  
Monthly maintenance fee $5
No per check charge
How to Waive Maintenance Fee?
$1,500 Average Daily Balance*

*The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is statement cycle.

Find a Branch
Fresh Start Checking
Tough Times and Challenges Can Leave Anyone in Need of a Second Chance.
Monthly maintenance fee $12.95
No per check charge
$50 Opening deposit
Free eStatement or $2 for paper statement
Learn More

*The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is statement cycle.

Senior Perks

Does Services with a discount sound too good to be true? Well it’s true at Capital Financial Inc! To help you save money, Capital Financial Inc offers FREE Senior Perks to customers 65 and over:

  • Free eStatements or paper statements
  • Free Cashier’s checks
  • One complimentary order of custom checks (non-duplicate) per year or $10 off any other style (one discount per year)
  • Free Notary services

Saving Makes Sense

Grow your savings with our debit card round up program!

  • When you use your debit card, we’ll round up your purchase to the nearest dollar amount and transfer the difference to your designated Savings Account.
  • The round-up transactions from your purchases are aggregated and transferred once per day from your Checking Account to your Savings Account.
  • There is no fee to participate in this Program.
  • The Program is available for all Personal Checking Accounts, excluding Health Savings Accounts.
  • You may cancel your participation in the Program at any time.

Community Hero Checking

 

The vital role that you play in our community is very much appreciated and respected. That’s why it’s our pleasure to salute our Community Heroes, by offering a special account to those who selflessly work to enrich the lives of their neighbors. Enjoy discounts on first mortgage closing costs, increase interest rate on two CD’s annually, free standard checks, a free Capital Financial Inc Mastercard® Debit Card, free Online Services with Bill Pay, free email and text alerts, Mobile Services with Mobile Deposit, free 24/7 automated telephone Services, and free eStatement or optional $2 per month paper statement! Certain eligibility requirements must be met in order to qualify – please visit your local Capital Financial Inc branch today to inquire.

 

Community Hero Checking

Future Leaders

 

The Future Leaders Account is for teens ages 15 & above as well as college students. We understand that your needs are different, which is why we designed this account with you in mind to include free Checking, free Online Services with Bill Pay, Mobile Services with Mobile Deposit, free eStatements* and more. Certain eligibility requirements must be met in order to qualify – please visit your local Capital Financial Inc branch today to inquire. Plus, you can apply for a Young Adult/College Visa Card.

*eStatement is required

 

Future Leaders Checking