Does anyone use capital bank and their smart checking services? They are offering great interest rates 4% apr and up to $20/month in atm fee reimbursement. Thinking about switching over.
http://www.capitalbank-nc.com

2/19/2010 9:08:22 AM

and the catch is....

2/19/2010 9:12:31 AM

Buy an ad

2/19/2010 9:15:55 AM

Wanted to know if any users had this type of account with Capital Bank.

2/19/2010 9:19:30 AM

^^^
You know, normally, when it comes to a thread like this, I'd be researching this myself and then finding the unpleasant nugget of [whatever], and then trying to do a bit of consumer education, if necessary.

But your post history tells me that it'd all be lost on you and that you're a blathering idiot.

So I'm not even gonna waste my time.

[Edited on February 19, 2010 at 9:31 AM. Reason : fdf]

2/19/2010 9:28:46 AM

Ambrosia, if you dont have anything positive or helpful to add to the discussion please refrain from posting. Appreciate any feedback from any capital bank customers.

2/19/2010 9:44:32 AM

Quote :

"Ambrosia, if you dont have anything positive or helpful to add to the discussion please refrain from posting"

lol
NKOTWW

2/19/2010 9:52:49 AM

They just lowered the amount they pay the 4%(used to be 5%) on to the first $10,000(used to be first $25,000). They also used to have unlimited ATM reimbursement(since they have ZERO atms.) They're also going nationwide soon(http://www.capitalbank-us.com)

Other than having very few branches, I've had no problems. They occasionally have cookouts where you can meet the big wigs.

2/19/2010 10:03:49 AM

next thing you know he is going to say get a real life and get off the internets

2/19/2010 10:04:40 AM

Quote :

"lol NKOTWW"

To be fair, your post reeks of Chit Chat rather than The Lounge.

2/19/2010 10:10:00 AM

Why?

Cause I called him out on presenting himself as a lazy idiot, or because I failed to do so in conjunction with more helpful content?

Instead, a post simply consisting of "^^^" would have been lounge-worthy, eh?



[Edited on February 19, 2010 at 10:16 AM. Reason : asdf]

2/19/2010 10:15:11 AM

No, just that the point of separating The Lounge and Chit Chat is to try to make it informative, whereas Chit Chat is perfect for "screwing around" ala

Quote :

"^^^ You know, normally, when it comes to a thread like this, I'd be researching this myself and then finding the unpleasant nugget of [whatever], and then trying to do a bit of consumer education, if necessary. But your post history tells me that it'd all be lost on you and that you're a blathering idiot. So I'm not even gonna waste my time. [Edited on February 19, 2010 at 9:31 AM. Reason : fdf]"

2/19/2010 10:21:47 AM

Quote :

"Ambrosia, if you dont have anything positive or helpful to add to the discussion please refrain from posting"

if only we were so lucky..

2/19/2010 10:23:22 AM

Quote :

"^^^ You know, normally, when it comes to a thread like this, I'd be researching this myself and then finding the unpleasant nugget of [whatever], and then trying to do a bit of consumer education, if necessary. But your post history tells me that it'd all be lost on you and that you're a blathering idiot. So I'm not even gonna waste my time."

is this directed at me?

2/19/2010 10:27:38 AM

D'oh!

No.
I should have put in a separator.

That was: ^^^makes a good point; blahblahblah. Not: blahblahblah @ ^^^

2/19/2010 10:41:13 AM

lol, ok. your post makes more sense to me that way... I was confused for a second

2/19/2010 10:44:04 AM

Yeah...sorry

2/19/2010 10:45:25 AM

Quote :

"lol NKOTWW "

More like "CDKWSSII"

(chick doesnt know what section she is in)

2/19/2010 11:47:28 AM

Quote :

"They just lowered the amount they pay the 4%(used to be 5%) on to the first $10,000(used to be first $25,000). They also used to have unlimited ATM reimbursement(since they have ZERO atms.) They're also going nationwide soon(http://www.capitalbank-us.com) Other than having very few branches, I've had no problems. They occasionally have cookouts where you can meet the big wigs."

Appreciate the feedback!

2/19/2010 11:52:50 PM

anything that seems too good to be true should be viewed with skepticism...why would a bank borrowing at 50 bps lend to you at x+350 bps?

2/20/2010 12:38:16 AM

4% on $10,000 is chump change to get you in the door. Then they can rape you on proper loans throughout your life.

2/20/2010 1:12:22 AM

dude, stay away from banks....use a credit union

2/20/2010 1:58:56 AM

Crescent State Bank pays 5% for the first 25,000 in your account, and you can have two accounts. There are a few catches like you need to use their ATM 10 time a month and you need a monthly draft going into it. But they have some local branches and their customer service is excellent.

2/20/2010 8:27:39 AM

We like our smart checking account. We keep the balance right at the 25,000 limit and make 4% on it. Thats better than any CD I have seen this year. If you got the cash and want to keep it liquid this is not a bad idea. We only draft our bills out of this account. I would not want a debit card that could be easily lost or stolen linked to 25,000. We keep anther checking account at SECU for our regular purchases.

2/20/2010 9:31:50 AM

Quote :

"Crescent State Bank pays 5% for the first 25,000 in your account, and you can have two accounts. There are a few catches like you need to use their ATM 10 time a month and you need a monthly draft going into it. But they have some local branches and their customer service is excellent."

i came in here to post this

2/20/2010 10:05:50 AM

Quote :

"Crescent State Bank pays 5% for the first 25,000 in your account, and you can have two accounts. There are a few catches like you need to use their ATM 10 time a month and you need a monthly draft going into it. But they have some local branches and their customer service is excellent."

Good info..the rates at my current financial institution are pretty low so I'm looking for liquidity and higher rates. Looks like crescent and capital bank both have attractive offerings.

2/21/2010 12:07:53 AM