Featured Savings Rates
Featured Accounts
Overview / Commentary
333 Fayetteville Street
Raleigh, NC 27601

Capital Bank (NC) is headquartered in Raleigh and is the 4th largest bank in the state of North Carolina. It is also the 151st largest bank in the nation. It was established in 2010 and as of September of 2016, it had grown to 1,325 employees at 158 locations. Capital Bank (NC) has an A+ health rating.

Related Posts

View all posts from:

Reviews (8)

I Like Capital Bank

Posted by: Lila | Jul 11, 2012

I opened this account when the interest rate on checking was 5.01% annually. Even though those days are long gone, I still get 1.24% and all I have to do is keep $1500 (it's like having a savings account) and use my debit card 10 times a month (I use it for the $10 or less purchases and use my Chase Rewards Card for everything else so I get cash back), oh, and I direct deposit my social security check. The ATM fee refunds (for using another bank's machine) come back to me promptly on every statement. Don't know about bill paying since I don't use that service but I'm very happy with everything else.

New Online Banking System Is Making Us Look Elsewhere

We've banked with Capital for many years, but sadly their new online banking system has caused us so many issues that we are in the process of moving all of our personal and business accounts elsewhere.

It is non-intuitive, illogical and includes new bill paying rules that were invoked without any communication.

When the new online service was rolled out in Nov. 2016 - I suddenly found my accounts debited a day before I requested that the bill be paid. This resulted in an overdraft charge - since reversed.

Customer service is useless and you can no longer reach anyone that works for Capital - unless you call the branch.

We really liked Capital - but can no longer trust that their services will provide us with what we need, let alone function in any sane manner.

Account Holder

Posted by: Meiron | Jul 29, 2016

I have had 2 awful experiences in the last month. First I never received my new debit card in the mail and it took 3 weeks to get it replaced. Also now when you deposit at an atm you deposit doesn't show until the next business day and in some cases 2 business days. As a single mother who gets paid on Friday a payroll check I have no access to my funds until Monday. Also the after hours customer service is horrific. I am leaving the bank ASAP!!!

Lousy Bank.

Amazing that this bank is able to operate in Raleigh, NC. I used to have a large amount on deposit at the friendly Southern Community Bank, because we did business with them. Capital bought them out. When I went to take out the remaining amount, the ladies in the bank knew me and talked me into keeping it there. My money just sat there, not making any money. But they had the amount to add to their deposits and I liked the ladies. I received a bank form, informing me that they were charging me $15.00 a month for a dormant account, so I called the 1-800 out of town number. The lady was rude to me. I will be taking my money out of the bank tomorrow. Not sure how they stay in business in Raleigh, because Capital Bank does not have many customers. They do not know how to do business in NC. Glad to say goodbye to this bank

Utterly Incompetent, Almost Certainly Crooks

Posted by: Adam Wood | Sep 8, 2015

One star only because zero stars is not an option.

These people are an absolute disaster. I went to them when I started a business because I wanted to work with a small, local bank where I knew the people involved. Seemed like a perfect fit at the time, but looks can certainly be deceiving.

The branch manager with whom I opened the account was gone within a month. I discovered this when I called to complain because they had failed to post a multi-thousand-dollar deposit I had made and I started bouncing checks because of it. After my complaint, they assured me that it would not happen again and that they would reverse their fee for bouncing checks.

Two weeks later, the same thing happened again. When it happened this time, I also discovered that they had never reversed the fees from the previous occasion. After complaining to yet another new branch manager, they finally reversed most of the fees, though they refused to cover the costs my suppliers had incurred from the checks being returned.

A month later, it happened AGAIN. This time, they refused to cover their fees ($187 worth, charged on a few $3 transactions), even though they admitted that they were in the wrong by not posting my deposit.

My business has effectively been crashed because none of my suppliers wants to deal with someone who has bounced a bunch of checks, and it's because these incompetent boobs can't even manage to post a deposit, which means that they aren't even balancing their books every night as required by the Federal Reserve.

Never, ever, EVER deal with these idiots. Save yourself the headache.


I was completely satisfied with the customer service and the costs of this refinance except for the lying that occurred from the loan officer. I asked Brian Blonder multiple times how much the refinance was going to cost me and if my loan amount was going to increase at all. He said no multiple times. Then after signing paperwork and getting the HUD-1 statement I saw that my loan amount went up $2,201. While I know this isn't totally breaking the bank, I stand by my morals and I saw that this loan officer had none. Overall, the bank was pleasant to work with and I got a good deal, but I wouldn't trust this man.

Typical Too Big Bank, Poor Customer Service

Posted by: ElleQ | Jul 5, 2012

I use direct deposit, and it takes several days for it to clear.  Why?  We were merged and they put us on interest checking and to change it, we'd have to pay a bank fee.  They also hold deposits (which they HAVE our money for nearly a week, mind) to bounce checks instead of releasing the funds on time.  First time, EVERY other bank allows a complimentary reversal of NSF fee...not this bank.  "Policy" dictates the don't do anything unless they make the mistake.  This month they happened to of caught me with the weekend and some auto bill pays on top of keeping the money a little longer then usual.

ATM fees are supposed to be refunded.  They are...if you do the paperwork and harp on the employees several times to get them.

We have no limit to the debit card, yet they consistently decline transactions with it.  We have had to take cash out to make sure we can buy groceries, etc. because of this.  It's not like I don't have money, usually it occurs when I have several thousand dollars in there.

Want to do online banking?  Be prepared for the funds never to be right, current transactions to be missing and the site to go up and down on the money you have in there.  Since the merge, they have never had the right amount in the online system.  Currently, I am still waiting to see several transations appear I did a few weeks ago.

Customer service is fast, true, but it's always to tell you they can't do something because of "policy". 

Unreliable, unhelpful and too big for the small town britches.  We are finding a new bank.  Run away from them, BoA is a better company.

Worst Bank Ever

Posted by: Anonymous | Apr 25, 2012

The bank made promises that were not delivered. Left a bank I have working with for years. After 7 months left Capital to go back to the other company.


Health Grade Components

FDIC Certificate #59049
Year Established2010
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD7.06%
Annual Interest Income$210.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$7.79B$7.26B
LoansQ3 2016vs Q3 2015$5.89B$5.36B
DepositsQ3 2016vs Q3 2015$6.18B$5.72B
Equity CapitalQ3 2016vs Q3 2015$967.4MM$958.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$44.0MM$46.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$20.1MM$26.0MM
Real Estate OwnedQ3 2016vs Q3 2015$46.0MM$54.4MM

Sorry, we do not have rate data for Capital Bank (NC).


Capital Bank (NC) has 197 locations. Click to view all Capital Bank (NC) locations.