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Choice Checking

Choice Checking

This account is all about you. Extra benefits like fraud protection and the ability to earn cash back rewards from national online merchants put you in charge of your spending.

And you can make the already low monthly fee disappear. Just do simple things you're probably already doing, and you can reduce your monthly fee to zero. It's your money, make it your choice!

  • Earn cash back rewards from over 3,200 national online merchants
  • Choose cash or redeemable gift cards
  • Comprehensive fraud protection
  • Qualifications to reduce the low monthly service fee:*
  • Begin each statement cycle with $6.95 monthly fee
  • Be enrolled and receive eStatement notice to reduce fee by $1
  • Further reduce by 25¢ per debit card purchase of $10 or more that posts and settles, until fee is eliminated
  • Unlimited check writing
  • No minimum balance
  • Free debit card
  • Free online banking and bill pay
  • Free eStatements
  • $100 minimum deposit to open

*Minimum to open is $100. The monthly service fee for this account is $6.95. This fee may be reduced by doing the following during the monthly qualification cycle: $1.00 reduction in fee for enrolling in and receiving e-statement notice and $0.25 reduction in fee for each posted and settled debit card purchase. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Merchant rewards and fraud protection available one business day following account opening.

Merchant Rewards

When you open a Choice Checking account, you become an automatic member of an exclusive online merchant rewards program. We've made it really simple to find cash back deals you can get excited about-- all by shopping online.

Here's how it works:

  • Sign up at
  • Personalize your deal dashboard based on your preferences
  • Search hundreds of deals and earn cash back rewards!
  • Download the deal button to your browser for even easier searching
  • Merchants will be highlighted on Search Results Pages – so you never miss a deal!
  • Redeem rewards via the browser button or the website
  • Use your cash reward or gift card to save money!

Sign up today and start shopping!

Fraud Protection

With Choice Checking you're taking control of more than just your finances. You are also adding our comprehensive identity and card protection services to help keep your personal information safe. And should anything happen, you'll be protected.

Real-Time Identity Protection:

Help stop ID theft in its tracks with round-the-clock monitoring of up to 25 items, including:

  • Debit cards
  • Credit cards
  • Other personal info you provide (such as your Social Security number)

If anything unusual is detected, you'll be notified immediately. If you already have a Capital Bank Choice Checking account, please access Identity Protection by logging on here.

Identity Restoration:

If you suspect your identity has been compromised, contact us quickly so a Restoration Specialist can provide hands-on assistance to restore your identity. Affected vendors and/or agencies will be contacted on your behalf, including credit card companies, credit reporting agencies, Social Security Administration, and more. With the situation under control, you can feel at ease and get back to normal as soon as possible.

Wallet Replacement:

If you lose your wallet, we will help you replace all those important items you need everyday, such as your driver's license, credit cards, debit cards, and medical cards.

Committed to our Community