David and Daniel, our smiling branch officers

Personal Checking Accounts

At National Capital Bank, we take the time to understand your needs and offer custom solutions to meet your financial goals. 


This approach helps us provide better service and design products that meet our customers’ needs.
David Didden, Assistant Branch Manager of our Friendship Heights Office and Daniel Solomonraj, Branch Manager
of our Main Office are featured above.  Contact us today to learn more about our personal checking options.   

 

Personal Checking

NCB's most basic account with a low balance requirement and unlimited check-writing.  Additional account features include: 

  • FREE Visa® Check Card with chip technology 
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines and through our service network, STAR® 
  • $500 minimum balance requirement to avoid monthly maintenance fee

Interest Checking

An interest-bearing account that offers unlimited check-writing and a competitive interest rate with the following features:

  • FREE Visa® Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines and through our service network, STAR® 
  • $1,000 minimum balance requirement to avoid maintenance fee

Silver Checking

A money-saving personal checking program for customers 55 years and older with no maintenance fees and lots of FREE services

  • FREE Visa® Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines and through our service network, STAR® 
  • First order of checks FREE
  • One penalty-free withdrawal from a Certificate of Deposit, up to $2,500 prior to maturity
  • Minimum balance requirement waived if 55 and older, with a monthly direct deposit
  • Interest or non interest-bearing - your choice

Gold Checking 

A personal checking account program that rewards you for your deposit and loan relationship with NCB and offers additional FREE services.  Maintain a combined deposit balance of $5,000 or qualifying loan balances of $100,000.00.  Gold Checking features include:

  • FREE Visa ®Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking  
  • Unlimited ATM withdrawals at NCB machines, plus 5 free withdrawals at non-NCB ATMs each statement cycle¹
  • FREE Cashier’s check (limit one per day)
  • FREE first order of checks
  • Preferred rates on Certificates of Deposit
  • Discount on first year’s safe deposit box rental 
  • Interest or non interest-bearing - your choice

Platinum Banking

Our premier personal checking program is specifically designed for customers who maintain higher balances and have multiple accounts with NCB. Maintain a combined deposit balance of at least $15,000 or qualifying loan balances of $150,000.  Platinum Banking features include:

  • FREE Visa® Check Card chip technology
  • FREE Online Banking with FREE eStatements and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • Unlimited ATM withdrawals at NCB machines plus 10 free withdrawals at non-NCB ATMs each statement cycle¹
  • FREE automated account access through our telebanking system - Anytime Banking  
  • FREE domestic wire transfers (limit one per month) and Cashier’s check (limit one per day)
  • FREE checks
  • One penalty-free Certificate of Deposit withdrawal up to $2,500 prior to maturity
  • Preferred rates on Certificates of Deposit
  • Discount on NCB Safe Deposit Box (subject to availability)
  • Interest or non interest-bearing- your choice

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



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