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Personal Banking

Personal Checking Accounts

At National Capital Bank, we take the time to understand your needs and offer custom solutions to meet your financial goals. This approach helps us provide better service and design products that meet our customers’ needs. Learn more about our personal checking options.  

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Interest-bearing
Direct Deposit
Statement Type
Fees for ATM Withdrawals
Contactless Visa Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Safe Deposit Box
Bonus Features

Personal

A basic account with a low balance requirement and unlimited transactions

$100

$500

$6

Yes

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
Check Mark - Yes
Check Mark - Yes

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Balance to Avoid Fees
Interest-bearing
Direct Deposit
Statement Type
Fees for ATM Withdrawals
Contactless Visa Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Safe Deposit Box
Bonus Features

Interest

An interest-bearing account with unlimited transactions 

$100

$1000

$9

Yes

Yes

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
Check Mark - Yes
Check Mark - Yes

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Balance to Avoid Fees
Interest-bearing
Direct Deposit
Statement Type
Fees for ATM Withdrawals
Contactless Visa Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Safe Deposit Box
Bonus Features

Silver

A money saving personal checking account for customers 55 + with no minimum balance and direct deposit 

$100

None with Direct Deposit

$6.00 for non-interest
$9.00 interest bearing

Optional

Yes

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
Check Mark - Yes
Check Mark - Yes

Checking Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Balance to Avoid Fees
Interest-bearing
Direct Deposit
Statement Type
Fees for ATM Withdrawals
Contactless Visa Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Safe Deposit Box
Bonus Features

Platinum

A premium personal checking account specifically designed for customers who maintain higher balances in multiple account with lots of extra benefits

$100

$15,000 in combined deposit balances or $150,000 in qualifying loan balances

$15

Optional

Yes

eStatements or Paper

No fee at any NCB ATM and 10 free withdrawals at other ATMs

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

1 Free domestic wire transfer (per month)

1 Free cashier's check (per day)

One penalty-free withdrawal from a CD up to $2,500 prior to maturity

Preferred rates on CDs

Discount on safe deposit box (subject to availabilty )

Personal checking accounts require a minimum opening deposit of $100. NCB Online and Mobile Banking and Mobile Deposit services are free, however fees may apply from your wireless carrier.
1One penalty-free withdrawal from a Certificate of Deposit can be made for up to $2,500 provided the balance in the CD will equal at least $1,000 after the withdrawal in made and at least six days have elapsed since the CD was opened, renewed or since any previous partial withdrawal on which a penalty was paid. For information on account requirements and fees, please refer to our account disclosures and Fee Schedule.

Personal Checking

NCB's most basic account with a low balance requirement and unlimited check-writing.  Additional account features include:

  • FREE Visa® Check Card with chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines and through our service network, STAR®
  • $500 minimum balance requirement to avoid monthly maintenance fee

Interest Checking

An interest-bearing account that offers unlimited check-writing and a competitive interest rate with the following features:

  • FREE Visa® Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines and through our service network, STAR®
  • $1,000 minimum balance requirement to avoid maintenance fee

Silver Checking

A money-saving personal checking program for customers 55 years and older with no maintenance fees and lots of FREE services

  • FREE Visa® Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines and through our service network, STAR®
  • FREE first order of standard personalized checks
  • One penalty-free withdrawal¹ from a Certificate of Deposit, up to $2,500 prior to maturity
  • Minimum balance requirement waived if 55 and older, with a monthly direct deposit
  • Interest or non interest-bearing - your choice

Platinum Banking

Our premier personal checking program is specifically designed for customers who maintain higher balances and have multiple accounts with NCB. Maintain a combined deposit balance of at least $15,000 or qualifying loan balances of $150,000.  Platinum Banking features include:

  • FREE Visa® Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • Unlimited ATM withdrawals at NCB machines plus 10 free withdrawals at non-NCB ATMs each statement cycle
  • FREE automated account access through our telebanking system - Anytime Banking  
  • FREE domestic wire transfers (limit one per month) and Cashier’s check (limit one per day)
  • FREE first order of standard personalized checks
  • One penalty-free withdrawal¹ from a Certificate of Deposit up to $2,500 prior to maturity
  • Preferred rates on Certificates of Deposit
  • Discount on NCB Safe Deposit Box (subject to availability)
  • Interest or non interest-bearing- your choice