Capital Bank

• Cards and Benefits Available
• Fraud Protection
• Digital Banking Tools

Cards and Benefits Available

None of the Capital Bank Visa cards have annual fees, a unique benefit among credit card companies. Cards and other benefits offered are as follows:

• Visa Classic Secured — aids in building or rebuilding credit history 
• Visa Classic — link to checking for overdraft protection and 0% APR for 12 months
• Platinum Premier Visa — includes above benefits plus travel and emergency assistance and auto rental insurance
• Visa Signature — includes above benefits plus two rewards points for every dollar spent at restaurants and gas stations and one reward point everywhere else as well as concierge customer service

Fraud Protection

Capital Bank takes measures to protect consumers from fraud by utilizing chip card protection, quick on/off card control, password and firewall protection, 128-bit key SSL encryption, email alerts when log-in info has changed, and a fraud detection team to monitor accounts. The company also educates consumers on the federal laws and regulations in place to protect consumers.

Digital Banking Tools

The Capital Bank website as well as the mobile app for Apple and Android gives account holders the ability to manage their money online or on the go and includes these features:

• Bill pay
• Account transfers
• Personal financial management tools (track spending, create a budget, and develop a savings plan)
• Manage account alerts
• View online statements
• Track balance and transaction information
• Deposit checks

• Mobile App Issues

Mobile App Issues

Although the mobile app has several attractive capabilities, reviews on the app store pages indicate that the app could use some more work to make account information more accessible and navigation more user-friendly.