Products and Services
Personal Free Checking
Basic non-interest-bearing checking account available to consumers age 18 and older.

• No minimum balance
• Non-interest bearing account
• No fees for us of CapitalBank of New Jersey's ATM/debit card
• First check order free

Free Capital NOW Account for 55+
Interest-bearing checking account available to consumers age 55 and older

• No minimum balance required
• Simple interest posted monthly
  
• No fees for use of CapitalBank of New Jersey's ATM/debit card
• Free logo checks

Personal NOW Tiered Balance Account
Basic interest-bearing checking account available to all consumers age 18 and older

• $5.00 fee charged if balance falls below $500.00 minimum
• Simple interest computed based on tiers:

$500.00 - $24,999.00
$25,000.00 - $74,999.00
$75,000.00+

• No charge for first order of checks

Personal Money Market Tiered Balance Account
Interest-bearing checking earning higher rates than a regular interest checking account with transaction limits.

• $25.00 fee charged if balance falls below $1,000.00 minimum
• ATM: secondary only
• Simple interest computed based on tiers:

$1,000.00 - $24,999
$25,000.00 - $99,000.00
$100,000.00 - $249,000.00
$250,000.00+

• No charge for first order of checks

Statement Savings Accounts
A competitive interest rate can be earned by maintaining a balance of $100.00 or more. What's more you have the privilege of depositing or withdrawing any time you wish. Withdrawal transactions are limited to six within each statement cycle.

Passbook Club Accounts
Clubs are available each year at the beginning of October and are renewable at the end of the following October.

• $2.00 minimum balance is required

Passbook Savings Accounts
Interest is compounded and credited monthly for accelerated savings growth.

• $100.00 minimum deposit required to open an account
• $100.00 average daily balance earns interest and avoids a $5.00 quarterly service charge

Business Statement Savings
Passbooks are not required for a deposit or withdrawal with this convenient savings account offering easy access to your funds. It can work in conjunction with an active business account to allow excess funds to earn interest.

• $500.00 minimum deposit required to open an account
• $500.00 average daily balance earns interest and avoids a $15.00 service fee

Certificate of Deposit (CD)*
CapitalBank of New Jersey CD's earn high yields on investments made from a specified time. CD offerings have various maturities ranging form one to 60 months. CD's are automatically renewed at maturity.

*Federal regulations require us to impose a penalty for early withdrawal of a timed deposit prior to its maturity.

Sole Proprietor NOW
An interest-bearing account for business owners who write only a few checks each month. Simply maintain a low average balance to earn interest and avoid a service charge.

• $500.00 minimum deposit to open
• $500.00 average daily balance earns interest
• $500.00 average daily balance avoids monthly service charge of $25.00
• Free ATM / debit card

Business Checking Analysis
A checking account with unlimited check-writing and deposit privileges. No minimum balance is required. Balances are analyzed for Earnings Credit, which may reduce service charges incurred.

• No minimum deposit required to open
• Rate: 90-day T-bill
• Monthly analysis: $10.00
• Cost per check paid: $.15
• Cost per deposit ticket: $.25
• Cost per item deposited: $.11

Business Checking
A checking account for smaller businesses. Limited to 350 combined free items per month. A service charge can be avoided if a low average balance is maintained.

• $500.00 minimum deposit to open
• $500.00 average daily balance earns interest
• $500.00 average daily balance avoids monthly service charge of $15.00
• Excess items paid or deposited: $.15 over 350 items

Business Money Market Tiered Balance Account
Money Market rates - with quick access to your excess funds - are yours with a Tiered balance Account that pays you higher rates for higher balances.

• $1,000.00 minimum daily balance avoids monthly service charge of $25.00
• Tiered Interest rates bay balance
• Subject to transaction limits