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CHECKING
   ACCOUNTS

Choose from a broad range of checking options, from the most basic to interest-earning options to package accounts … with a number of ways you can avoid monthly fees and not sacrifice benefits. You can even order your checks online.

Platinum Banking

A package account for those who maintain a combined deposit balance of at least $15,000 or have qualifying loan balances of $150,000. Platinum Banking customers receive 10 free (reimbursed) non-NCB domestic ATM withdrawals (with no fees from us or the other bank’s ATM)***, preferred rates on Personal Installment Loans*, and the ability to make one $2,500 no-penalty withdrawal from a CD^^ to name a few of the great benefits!

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Gold Banking

A package account for those who maintain a combined deposit balance of at least $5,000 or have qualifying loan balances of $100,000. Gold Banking offers free products and services including preferred rates on Personal Installment Loans* and 5 free non-NCB ATM withdrawals (our fee only) per statement cycle**.

See Comparison Chart

Silver Banking

If you are at least 55 and receive direct deposit, you qualify for a free checking account with no minimum balance. In addition to great account features, you receive outstanding benefits like the ability to make one $2,500 no-penalty withdrawal^^ from a CD.

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Interest Checking

There is no minimum balance required to earn interest with National Capital Bank's Interest Checking account. Plus, you get free Online Banking, a free NCB CheckCard and you can access this account in all the same ways as a Personal Checking account. By maintaining a $1,000 minimum balance, you pay no fees.

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Personal Checking

NCB's Personal Checking is the "no-frills" account for your basic checking needs. You can write as many checks as you want with no per-check charges. For your convenience, we recommend that you apply for an NCB CheckCard which will allow purchases to be directly debited from your account. The CheckCard also doubles as your ATM card which you can use at any NCB ATM free of charge.

See Comparison Chart


Contact us if you have any questions about checking accounts in the Washington DC Metro Area.

We always look forward to hearing from our customers. If you have any questions, comments, or concerns about National Capital Bank and the services offered, please don't hesitate to contact us today.

Please click here for our website contact form.


* For qualified customers.

** Surcharge fees by ATM owner may apply. Withdrawals are calculated per monthly statement cycle and must be made from your designated primary account.

*** The first 10 NCB fees will be waived, and the first 10 fees from another bank will be reimbursed on your next monthly statement.Withdrawals are calculated per monthly statement cycle and must be made from your designated primary account.

^ If the minimum balance requirement is not met, you will be charged the monthly service fee. If the minimum balance requirement is not met for three consecutive months, you may also be charged regular fees for additional products and services.

^^ You may withdraw up to $2,500.00 from a CD linked to your Silver Banking or Platinum Banking relationship without paying an early withdrawal penalty, provided that: (1) the balance in the CD will equal at least $1,000 after the withdrawal is made, and (2) at least six days have elapsed since the CD was opened or renewed (or since any previous partial withdrawal on which a penalty was paid). We reserve the right to require 7 days’ written notice prior to the withdrawal of funds from your CD. There is a limit of one penalty-free withdrawal during each CD term.

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