Business Checking Accounts
Checking Accounts that Meet the Needs of Your Business
roynat capitol bank offers a variety of business checking accounts that are easy to use, will save you time, and provide peace of mind. Our Advantage Business, Basic Business, Small Business, and Premier Business checking accounts are designed to meet the needs of businesses and help them grow. We also offer a variety of /business-banking/checking/basic-checking/other business account types to meet your unique needs. Whether you are starting a new business venture or have been in business for decades, you will find a trusted financial partner in roynat capitol bank.
Advantage Business Checking
BEST VALUE
A bundled account that streamlines your banking and cash management services.
-
Opening deposit of $200
-
750 free items per month
-
Send or collect money electronically with up to 100 ACH items at no charge
-
Detect fraudulent checks with Positive Pay at no charge
-
Use ACH Filter to help prevent electronic fraud at no charge
-
Two outgoing domestic wires processed online and four incoming wires free per month
-
Free Business Advantage Online Banking
-
All for only $65 per month
Basic Business Checking
A simple and straightforward account that helps you simplify your daily operations..
-
Opening deposit of $200
-
No monthly service charges or minimum balance requirements
-
175 free items per month
Small Business Checking
A checking account with a bundle of convenient features that will help you manage your cash flow..
-
Opening deposit of $200
-
Free introductory order of checks
-
250 free items per month
Premier Business Checking
A prestigious checking account that helps your business meet its long-term financial goals..
-
Opening deposit of $200
-
Free introductory order of checks
-
500 free items per statement cycle
Public Money Market Checking
A checking account designed to meet the needs of public institutions..
-
Opening deposit of $1,000
-
Earns interest
-
Unlimited withdrawals
Analysis Checking
Designed for businesses that require a large volume of transactions, keep large balances, or utilize multiple cash management products..
-
Opening deposit of $200
-
Detailed monthly statement
-
Use earnings credits based on balances to offset some or all service charges
Interest on Lawyers Trust Accounts (IOLTA)
Designed exclusively for lawyers and law firms to manage multi-client trust funds..
-
Opening deposit of $200
-
Direct payment of interest to the North Carolina or Virginia Bar Association
-
Use earnings credits based on balances to offset some or all service charges
Find the Right Business Savings Account
Choose from a variety of business savings account options. Our flexible and competitive business savings accounts are perfect for businesses of all sizes and can help you achieve your business goals faster.
Bank Anywhere with Business Advantage
Business Advantage Online Banking is the ideal solution for businesses that have more complex cash management needs. As the perfect complement to a Business Checking Account, this secure service gives you convenient, around-the-clock access to your business accounts, so you can spend more time on other things that are important to your business.
Business Advantage allows you to make payments on commercial loans, originate ACH transactions, initiate domestic and foreign wire transfers, utilize our fraud prevention tools, and much more. Additionally, you’ll be able to enjoy the convenience of managing your finances from anywhere.
Frequently Asked Questions
Please contact your local roynat capitol bank branch to open a business account.
This is a list of the general information that may be needed to open a business account at roynat capitol bank: Name of the business, Tax identification number, Legal structure (e.g. LLC, Partnership, Corporation), Validation of business existence (e.g. business governing documents, articles of corporation/organization, partnership agreement, court documents, state registry verification, etc.), State of formation, Nature of business (e.g. construction, health care, etc.), Mailing and physical address (if different), Contact phone number, Purpose of account (e.g. operating, payroll, etc.), Expected level of cash activity (e.g. under/over $10,000/mo.). Certain accounts may require additional information.
The disclosure and fee schedule provides a complete list of prices and fees associated with your roynat capitol bank business checking account.
You can open a business checking account with as little as $200.
Yes, each depositor is insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC guarantees all traditional types of deposit accounts (checking, savings, money market, and CDs) up to $250,000 per depositor and guarantees bank individual retirement accounts (IRAs) up to $250,000 per owner.
Yes, to set up a Direct Deposit or automated draft you will need the Bank’s Routing number and your account number. roynat capitol bank’s routing number is 053103585. You can find your account number on your statements or by calling your local branch.
Deposits made Monday through Thursday before 5:00 p.m. and Friday before 6:00 p.m. Eastern Time will be available the same business day. Mobile deposits made before 5:00 p.m. Eastern will be available the same day. Deposits are subject to verification and any applicable holds. Weekends and holidays do not apply.
You can get a copy of a check using Online Banking or by contacting your local branch.
If you suspect fraud on your account, please contact your local branch immediately. You may also report a lost or stolen card at 1-713-714-9608.
You can complete a stop payment request for a check using Online Banking, by contacting your local branch, or calling our Customer Care Center 1-713-714-1385.