Ryan, a commercial lender, with our client Grubbs Pharmacy

Business Checking Accounts

Whether your business is large or small, National Capital Bank has the right banking solution for you.


Choose the checking that works best for your business and leave the banking to us.  Ryan McKinley, one of NCB's Commercial Loan Officers is featured above.  Contact us today to learn more about our business checking options.  

Basic Business Checking

A simple, cost-effective solution for smaller businesses, sole proprietors and nonprofit organizations with an earnings credit to offset service fees.  

Additional Basic Business Checking account features include:

  • FREE Visa® CheckCard with chip technology 
  • FREE eStatements 
  • Low monthly fee for Business Online Banking with Bill Pay
  • FREE automated access through our telebanking system - Anytime Banking
  • No monthly maintenance fees and a competitive earnings credit 
  • Up to 125 transactions each month for FREE

Business Analysis Checking

An account designed for businesses with higher transaction volume, higher balances and a need for sophisticated treasury management tools.  Plus a variable earnings credit  that can off-set most service fees and activity charges.

Additional Business Analysis Checking account features include:

  • FREE  Visa® Check Card with chip technology 
  • FREE eStatements 
  • FREE automated access through our telebanking system - Anytime Banking
  • Treasury Management Services available including: Business Online Banking with Bill Pay, Remote Deposit Capture, wire transfers, ACH origination, Merchant Card Processing, LockBox and more... 

Community Checking

A basic checking account for smaller nonprofit or community organizations, clubs or trade associations, with no minimum balance requirement. 

Additional Business Analysis Checking account features include:

  • No monthly maintenance fees
  • Up to 125 transactions each month for FREE; fee for additional transactions
  • FREE Visa® Check Card with chip technology 
  • FREE eStatements
  • Low monthly fee for Business Online Banking with Bill Pay
  • FREE automated access through our telebanking system - Anytime Banking

Business Interest Checking 

An interest-bearing account available to sole proprietors, municipal or government agencies and all qualifying nonprofit organizations. 

Additional Business Interest Checking features include:

  • FREE  Visa® Check Card with chip technology 
  • FREE eStatements 
  • Low monthly fee for Business Online Banking with Bill Pay
  • FREE automated access through our telebanking system - Anytime Banking
  • $1,000 minimum balance requirement to avoid a monthly fee 

IOLTA Accounts

Interest on Lawyers Trust Accounts (IOLTAs) accounts are available and limited to attorneys and law firms that maintain escrow funds for multiple clients.  This account helps pool funds into a single interest-bearing account.  The interest you earn is then remitted to the jurisdictional Bar Foundation to provide legal aid to low-income residents. 

  • Available for members of the District of Columbia Bar Association and the Maryland Legal Services Corporation
  • No monthly maintenance fee
  • FREE eStatements 
  • Low monthly fee for Business Online Banking with Bill Pay 
  • FREE automated access through our telebanking system - Anytime Banking

Get started today – Contact us for details on our Business Checking Accounts



Business Checking accounts require a minimum opening deposit of $100.  For information on account requirements and fees, please refer to our account disclosures and Business Fee Schedule.