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The traditional way to put your extra money to work for you, with choices of passbook or statement savings accounts, as well as competitive rate money market accounts and CDs. And with NCB’s new package accounts, you can bundle your savings, checking and loan balances to qualify for our Gold Banking or Platinum Banking and get many free and discounted products and services.

Platinum Banking

With $15,000 combined qualifying deposit balances (including checking, CDs and Money Market accounts) you qualify for Platinum Banking. With Platinum Banking you get great benefits including one no penalty CD withdrawal up to 2,500^^ and 10 free (reimbursed) non-NCB domestic ATM withdrawals***.

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Gold Banking

If you have $5,000 combined qualifying deposit balances from your checking and savings accounts, you qualify for Gold Banking and all of its benefits including interest checking, free telephone transfers through our AnyTime Banking program (limit 6 per monthly statement cycle) and preferred rates on CDs.

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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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Premium Money Market Account

Our Premium Money Market Account allows you to earn our highest rates on liquid accounts with balances of $25,000 or more. You have great access to your money with check writing privileges (up to six per month) and unlimited withdrawals in person or by ATM.

Money Market Account

Earn more interest with your savings, and get the convenience of writing up to six checks per month if you have $2,500 to put in a convenient, easy to use Money Market account.

Statement Savings Account

With this account you can start small and before you know it you're on your way to building a nest egg! Access this account all you want when you come in the office or use the ATM. All your transaction activity will appear on periodic statements and you only need $100 to open a Statement Savings Account.

Passbook Savings Account

Just try to find a good old fashioned passbook account at any other bank! NCB still has them! Open one for your child or grandchild today! Kids love passbooks and it's a great way for them to learn the fundamentals of saving money.

Certificates of Deposit

Choose a term length you're comfortable with, and your savings could be earning even more. Plus you still have the comfort of FDIC insurance, too.

Capital Kids' Club

NCB has a special savings club for children called the Capital Kids' Club. Open a Statement Savings, Money Market or Premium Money Market account and “school” your child on smart savings. Click here for more information.

Contact us if you have any questions about money market and savings 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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