BUSINESS BANKING
Business Checking and Sweep Accounts
Your business checking account is
the most active component of your financial management and you can earn interest
on unused funds with a Sweep Account. Sole proprietorships and organizations
generally considered as non-profit are also eligible for interest bearing NOW
accounts. We will tailor accounts to meet your needs and, as a full service
bank, we will be there to help you every step of the way.
Courier Service
Most business owners are too busy
to get to the bank, so we go to them. Our courier will come directly to your
office to pick up your check deposits for same day processing. Plus, we'll pick
up and deliver other bank-related documents.
Money Market Deposit Account
Money Market Deposit Accounts (MMDA)
provide you the opportunity to earn a higher rate of interest than our NOW accounts.
You can have an unlimited number of withdrawals — either at an ATM or in
person — each month, along with 6 transfers, of which 3 may be by check.
The rate of interest earned depends upon the balances you maintain and compares
very favorably with brokerage money market accounts.
Certificates of Deposit
Capitol National Bank offers a wide
variety of terms on our Certificates of Deposit. You can select maturities from
as little as 30 days up to 5 years. As rates are subject to change frequently,
rate sheets are available on a regular basis from our staff members. Larger
deposits are negotiated outside of the standard rate schedules.
Trust Services
We offer complete Trust Services,
whether you need a family plan or one that covers your business and employees.
One of our professionals will be happy to make an appointment at your convenience
to discuss our full scope of Trust solutions.
Capitol National eBanking
With Capitol National eBanking,
you can access your accounts at a time that best fits your schedule. You can
view detailed account activity as well as make transfers between your accounts.
Account information can also be downloaded in several file formats to integrate
with your accounting system.
Capitol National Bank's Bill Pay
Service
Our Bill pay service is designed
to make your life a little easier. Whether it's a recurring bill or a one time
payment, Capitol National Bank's Bill Pay offers a fast and convenient method
to pay your bills.
ATM and Visa® Check Cards
ATM and Visa® Check Cards provide
a convenient means to conduct your banking. You can access your checking and
savings accounts to deposit, withdraw funds, transfer funds or make balance
inquiries. Our ATM cards are widely accepted and are part of the MAC and Cirrus
networks.
Telephone Banking Service
Your accounts at Capitol National
Bank can be accessed 24 hours a day, 7 days a week with our Telephone Banking
Service. You can make balance inquiries, get a listing of checks and deposits
posted, as well as information on interest earned. You can transfer funds between
accounts, make loan payments and even request a fax statement that will be sent
to your home, office or mobile fax. Complete information is contained in our
Telephone Banking Service brochure.
Check Imaging
All Capitol National Bank checking
account statements include a digital image of each deposit slip and check you
have written. The items are arranged and printed in check number order for your
convenience making it easier to balance your account. We offer a standard statement,
or we can customize your account to include the image size that best suits your
needs.
Avoid Account Service Fees
By maintaining or exceeding the minimum
balances, you can avoid service fees on your checking and savings accounts at
Capitol National Bank.
Wire Transfers & Other Services
Capitol National Bank offers a full
line of deposit-related services including domestic and foreign wire transfers,
phone transfers, direct deposit payroll, automated clearing house (ACH) transactions,
custom check clearing reporting, night depository, draft collections, money
orders, cashier checks, travelers checks, coin and currency services. We also
do our very best with "special" orders!
©2000 Capitol National Bank. All Rights Reserved.
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