Savings

Be prepared for future expenses with savings accounts that are tailor-made for businesses.

Business Money Market

Perfect for businesses that have funds to invest at a competitive interest rate, but want to maintain quick, easy access.

  • Opening deposit of $1,000
  • Increased rate of return for higher balances—the higher your balance, the higher the interest rate
  • No monthly maintenance fee (if minimum required balance is maintained*)
  • Wallet-size, single-part checks at no charge
  • Access to funds through Online Banking, Mobile Banking, and an ATM card. (Service provider fees may apply.)
  • Six (6) pre-authorized withdrawals per statement cycle at no charge**

*To avoid a $10 monthly maintenance fee, account must maintain a $1,000 minimum balance, or a $2,500 average daily balance. Transaction limitations apply per Federal regulations. During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. **A withdrawal fee of $15 will be charged for each check in excess of six during a statement cycle.

Certificates Of Deposit (CDs)

CapStone Bank CDs offer competitive interest rates and flexible terms based on your investment objectives. They can be tailored to your specific requirements, with interest capitalized or paid by check or transfer, and terms are available from three (3) months to four (4) years.

Capstone Bank is a member of the CDARS network. Ask us for further details.

Health Savings Account (HSA) and HSA Plus

As the cost of medical coverage continues to rise, offering a high-deductible health plan and an HSA for yourself and/or your employees may be a positive step in reducing your total health benefit costs. An HSA allows participants to pay for current qualified health expenses and to save for future medical expenses on a tax-free basis. Eligible individuals must have coverage under an HSA-qualified, high-deductible healthcare plan (HDHP), have no other “first-dollar” medical coverage, not be enrolled in Medicare, and not be claimed as a dependent on someone else’s tax return. (Consult your tax advisor regarding your individual tax benefit.)

  • No minimum deposit to open
  • Competitive interest rate
  • Ability to rollover unused funds from year-to-year
  • Wallet-size, single-part checks at no charge
  • MasterCard® debit card access
  • Online Banking and Bill Pay access at no charge

With HSA Plus, enjoy our exclusive online Deductible Tracker to help track medical expenses that apply toward deductibles and any qualified expenses for tax purposes throughout the year. A one-time $25 set-up fee and $5 monthly maintenance fee will apply.