Capital Checking

Business Deposit Rate

Capital Checking

Interest Rate

0.01%

APY2

0.01%

Minimum Balance to Earn APY

$10

Monthly Maintenance Charge4

$10

Disclosures

2 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded daily and credited monthly. You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Business Schedule of Fees for product and service fee information.
4 Monthly maintenance charge easily waived with $25,000 daily balance minimum or $50,000 in related deposit or loan balances.

Features

Minimum to open

$10

APY1

0.01%

Mobile banking

Online billpay

Mobile check deposits

E-statements

ATM surcharge rebates

Up to $20/month

Standard wallet-style checks

1st Order - $75 Credit2

Check writing

Unlimited

Digital wallet services

FedNow participant

Real-time payments participant

Send and receive money with Small Business Zelle®

1 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded daily and credited monthly. You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Business Schedule of Fees for product and service fee information.
2Check order charges and taxes may vary depending on the product and shipping method selected. Free orders of wallet-style checks includes taxes and USPS standard first-class mail service with non-traceable shipping.

Fees

Monthly Maintenance Charge

Maintain a $25,000 minimum daily balance or $50,000 in related deposit or loan balances1 to avoid the monthly maintenance charge.

$10

Even when no monthly maintenance charge applies, other transaction and service fees may apply, including insufficient funds (NSF) fees. Terms and conditions applicable. See Business Schedule of Fees for more information.

1Eligible accounts for combined balance qualifier: New Valley Bank & Trust business deposit accounts (excludes IOLTA and tenant accounts) and loans.

Additional Business Fees

Learn more about other business fees related to this account including: account opening and usage, commercial analysis, standard overdraft practices, non-sufficient funds, funds availability, and posting order.

Business Fees