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Personal Banking

Personal Banking

Personal Checking and Savings Accounts

We offer a full array of personal checking and savings accounts designed to fit your specific banking needs. Our accounts offer attractive interest rates; along with free services such as free VISA®/ATM cards and free online banking. Please contact a customer service representative at your local office or stop in and see us for details.

Money Market Accounts

Money Market Deposit Accounts (MMDA) provide you with the opportunity to earn a higher rate of interest. You can have an unlimited number of withdrawals – either at an ATM or in person – each month, along with 6 transfers. The interest rate earned is determined by the balance maintained and compares very favorable with brokerage money market accounts.

Check Imaging

Capitol National Bank offers choices for viewing images of your checks.

View Online. An easy, no cost way to retrieve images of checks paid on your account. Images are readily available for up to 6 months. Save paper and print copies of only the checks you need. Both the front and back images of checks are available online, a benefit and convenience you already enjoy with access to Capitol National eBanking.

By Mail. Images of paid checks can be mailed along with your monthly statement. A nominal monthly fee of $5.00 per account will automatically be charged to your account for this option.

To receive images with your monthly statement, please contact our Customer Service Department at (517) 316-0180.

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 sheet are available on a regular basis from our staff members. Larger deposits are negotiated outside of the standard rate schedules. [ click here ] to calculate the estimated interest earned on your CD deposit.

Wire Transfers & Other Services

We offer a full line of deposit related services including domestic and foreign wire transfers, direct deposit payroll, telephone transfers, automated clearing house (ACH) transactions, night depository, cashier checks, as well as travelers checks.

Personal Online Banking

With Capitol National’s Personal Online Banking, 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 into several file formats to integrate your banking information with software like Quicken to manage your finances.

Bill Pay

Our Bill Pay Service is designed to make your life easier. Whether it is 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 or transfer funds or make balance inquiries. Our ATM cards are widely accepted and are part of the STAR and Cirrus networks.

Lending Services

Capitol National Bank offers convenient, affordable personal loans and home equity lines of credit to fit just about any situation and budget. Our broad selection of products and services can help you achieve your financial goals.