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Personal Banking

Savings

Whether you are ready to start saving or are looking for options to maximize your earnings, NCB has the right solution for your needs.

Savings Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Per Item Fees
Fees for ATM Withdrawals
Contactless Visa® Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access to Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Additional Information

Personal

A great way to start small and build a nice nest egg with unlimited deposits

$100

$100

$2

Yes; 3 per month; $1.00 per excess withdrawals. ATM transactions exempt.

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

Savings Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Fees for ATM Withdrawls
Fees for ATM Withdrawls
Contactless Visa® Business Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access to Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Additional Information

Kid's Club

Help teach your children to save and learn the basics of money management 

$1

None

None

Yes; 3 per month; $1.00 per excess withdrawals. ATM transactions exempt.

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

Check Mark - Yes
Check Mark - Yes

Account available to children under under 18; must be a custodial account or joint account with parent or guardian  

Savings Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Fees for ATM Withdrawls
Fees for ATM Withdrawls
Contactless Visa® Business Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access to Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Additional Information

Premium Money Market

Easy and flexible access to your funds.  Earn higher interest rates as your balances grow.

$2,500

$2,500

$5

None

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

Savings Accounts

Minimum Balance to Open
Monthly Balance to Avoid Fees
Monthly Service Charge
Fees for ATM Withdrawls
Fees for ATM Withdrawls
Contactless Visa® Business Debit Card with SecureLOCK Equip Controls
Online Banking 
Mobile Banking with Mobile Deposit
Mobile Wallet with access to Apple Pay®, Google Pay® and Samsung Pay®
Zelle
Additional Information

Certificates of Deposit

Choose from a variety of fixed-rate terms ranging from 3- 36 months.

$1,000

$1,000

None

None

N/A

Check Mark - Yes

Interest is compounded and credited to the CD monthly

Deposit interest payments into an NCB Account  

NCB Online and Mobile Banking and Mobile Deposit services are free, however fees may apply from your wireless carrier.

Personal Savings

This is a great way to start small and build your way up to a nice nest egg. Make unlimited deposits and have the ability to withdraw funds when you need them.

  • FREE Online Banking with FREE eStatements (Available to all accounts)
  • FREE Mobile Banking with Mobile Deposit (Available to all accounts)
  • FREE automated account access through our telebanking system - Anytime Banking (Available to all accounts)
  • $100.00 minimum balance required to open and maintain to avoid a $2.00 monthly maintenance fee   
  • Limit of 3 withdrawals per month, excluding ATM withdrawals; $1.00 for any excess withdrawals

Capital Kid's Club Savings

Help teach your children to save and learn the basics of managing money.

  • Opening deposit as little as $1.00
  • No monthly maintenance fees
  • FREE automated account access through our telebanking system - Anytime Banking
  • Limit of 3 withdrawals per month, excluding ATM withdrawals; $1.00 for any excess withdrawals 

Premium Money Market

Access your funds through check writing, while earning premium rates on our competitively priced money market account. 

  • FREE Visa Check Card with chip technology
  • FREE Online Banking with FREE eStatements 
  • FREE Mobile Banking with Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking
  • $2,500.00 minimum balance required to open and maintain to  avoid a 5.00 monthly maintenance fee
  • Tiered interest rate on balances

Certificates of Deposit

Choose from a variety of fixed-rate terms and choose the best option to receive your interest payments.

  • Terms range from 3 to 36 months
  • Interest is compounded and credited to the CD on a monthly basis 
  • Minimum opening deposit of $1,000

High-Balance Savings Accounts with FDIC Insurance

IntraFi Network Deposits (formerly known as ICS© and CDARS© deposit products) is a smart, secure, and convenient way to safeguard large deposits placed into a money market or CD.  Access multi-million-dollar FDIC insurance and earn interest, all through a simple bank relationship with NCB.

Choose a money market account or CD, and:

  • Enjoy peace of mind. Funds placed through IntraFi Network Deposits are eligible for multi-million-dollar protection that’s backed by the full faith and credit of the U.S. government. And as bank deposits, they are not subject to floating net asset values, liquidity fees, or money market mutual fund liquidity gates, so you can rest assured knowing that market volatility will not negatively affect your principal.
  • Earn a smart return. Put your organization’s deposits to work earning returns that may compare favorably to Treasuries and government money market mutual funds.
  • Manage liquidity. Enjoy access to funds placed into demand and money market deposit accounts. With CD placements, select from multiple term options to meet your liquidity needs. 

Plus, enjoy the convenience of banking directly with us, a bank you already know and trust.

For maintenance and other monthly fees on NCB Savings accounts, please refer to our Fee Schedule.

National Capital Bank, Member FDIC. Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. Program withdrawals may be limited to six per month for funds placed in MMDAs. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits and the IntraFi hexagon are service marks, and IntraFi, the IntraFi logo, ICS, and CDARS are registered service marks, of IntraFi Network LLC.