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Business Banking

Business Checking

Whether your business is large or small, National Capital Bank has the right banking solution for you.

Choose the checking that works best for your business and leave the banking to us.

Checking Accounts

Minimum Balance to Open
Daily Balance to Avoid Fees
Monthly Balance Fee
Per Item Fees 
Interest-bearing
Statement Type
Fees for ATM Withdrawals
Contactless Visa® Debit Card with SecureLOCK Equip Controls
Business Online Banking 
Mobile Banking with Mobile Deposit
Treasury Management Services1 

Commercial

An account designed for businesses with higher transaction volume, balances and a need for sophisticated treasury management services

$100

Based on account analysis 

Charges based on account activity, which may be offset by an earnings credit.

Each deposited item $0.10, deposit/credit $0.30, and items drawn on your account $0.15.

Optional; Commercial Interest Checking 

eStatements or Paper

No fee at any NCB ATM; $1.25 at other ATMs plus surcharges

Check Mark - Yes
Check Mark - Yes
Check Mark - Yes
Check Mark - Yes

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Per Item Fees 
Interest-bearing
Statement Type
Fees for ATM Withdrawals
Contactless Visa® Business Debit Card with SecureLOCK Equip Controls
Business Online Banking 
Mobile Banking with Mobile Deposit
Treasury Management Services1 

Small Business

A simple, cost-effective solution for smaller businesses, sole proprietors and non profit organizations

$100

$1000

$10

200 Free transactions per month; $0.25 per additional transaction

NA

eStatements or Paper

No fee at any NCB ATM; $1.25 at other ATMs plus surcharges

Check Mark - Yes
Check Mark - Yes
Check Mark - Yes

NA

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Per Item Fees 
Interest-bearing
Statement Type
Fees for ATM Withdrawals
Contactless Visa® Business Debit Card with SecureLOCK Equip Controls
Business Online Banking 
Mobile Banking with Mobile Deposit
Treasury Management Services1 

Community 

 A basic checking account for smaller nonprofit or community organizations, clubs or trade associations

$100

None

None

125 Free transactions per month; $0.20 per additional transaction

NA

eStatements or Paper

No fee at any NCB ATM; $1.25 at other ATMs plus surcharges

Check Mark - Yes
Check Mark - Yes
Check Mark - Yes

NA

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Per Item Fees 
Interest-bearing
Statement Type
Fees for ATM Withdrawals
Contactless Visa® Business Debit Card with SecureLOCK Equip Controls
Business Online Banking 
Mobile Banking with Mobile Deposit
Treasury Management Services1 

IOLTA Accounts

Interest on Lawyers Trust Accounts (IOLTAs) is a specialty account available to attorneys and law firms who manage client trust accounts

$100

None

None

NA

Yes

eStatements or Paper

NA

NA

Check Mark - Yes
Check Mark - Yes

NA

1Fees for Treasury Management Services may be offset by the monthly earnings credit

NCB Online and Mobile Banking and Mobile Deposit services are free, however fees may apply from your wireless carrier. No per item fees for ACH items.  See Fee Schedule for more detail. Fees for Treasury Management Services may be offset by the monthly earnings credit.