Bank Local. Get More.
Open your account online using offer code 50123 to take advantage of these great offers.
Two Great Offers, One Great Bank
Open a new Cape & Coast Bank account online and take advantage of these great offers:
Receive $500
Open a SmartRate Checking account with $1,000 in monthly direct deposits within the first 90 days.
Receive $250
Open a Free Checking with $500 in direct deposits within the first 90 days. Or
Open a Free Business Checking and maintain a minimum average monthly balance of $500 for the first 90 days.
Both offers include great benefits like
- Safety and security with 100% of your deposits insured by FDIC and DIF
- Free access to 55,000 Allpoint Network ATMs
- MyCapeRewards points on debit card purchases
Compare accounts. Choose what works.
Ready to open your account online? You can get started anytime, from anywhere—no branch visit required. When prompted during the application, enter offer code 50123 to take advantage of this special offer.
SmartRate Checking
Earn higher interest on balances up to $10,000 and get up to $10 back monthly in ATM fees from other banks.
- First order of checks is free
- 100% deposit insurance on all balances
- $15 monthly fee refunded when you meet these simple qualifications:
- Keep at least $1,000 in your account each day
- Set up direct deposit or transfers totaling $1,000 or more each month
- Sign up for eStatements
- Use your debit card for purchases at least twice each month
Free Checking
Keep it simple with no monthly fees or balance requirements. Perfect if you want straightforward, hassle-free banking.
- No monthly fees or minimum balance to worry about
- First order of checks is free
- 100% deposit insurance on all balances
Free Business Checking
Perfect for new and small businesses—no minimum balance, no monthly fees, and all essential banking features included.
- Zero monthly service charges
- Free Business Debit Mastercard®
- 100% deposit insurance on all balances
Ready to Get Started?
We’re ready when you are. Open your account online today using offer code 50123 to receive your limited time bonus offer.
Available only to new customers with no personal or business checking with us in the previous 12 months. Limited to one personal checking bonus (SmartRate Checking or Free Checking) and one Free Business Checking bonus per mailing address. The account must be open at the time bonus is paid. Offer available through December 31, 2026. Must enter bonus offer code into online account opening application, and meet these additional requirements:
To Receive $500 SmartRate Checking Bonus: Open and maintain a new SmartRate Checking for 90 calendar days and have electronic direct deposits totaling $1,000 or more post to and clear that account within the 90-day period. If all requirements are met, the $500 bonus will be deposited into your SmartRate Checking no later than 120 calendar days after account opening. See SmartRate Checking Account information below for additional account information.
To Receive $250 Free Checking Bonus: Open and maintain a new Free Checking for 90 calendar days and have electronic direct deposits totaling $500 or more post to and clear that account within the 90-day period. If all requirements are met, the $250 bonus will be deposited into your Free Checking no later than 120 calendar days after account opening.
To Receive $250 Free Business Checking Bonus: Open a new Free Business Checking and maintain an average monthly balance of $500 or more during the first 90 calendar days of account opening. If all requirements are met, the $250 bonus will be deposited into your Free Business Checking no later than 120 calendar days after account opening.
SmartRate Checking Additional Disclosures: Minimum opening balance of $25. Subject to $15 monthly service charge. Service charge refunded by meeting monthly qualifications. If your daily balance is $10,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield (APY) of 1.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000. The APY for this tier will range from 1.00% to 0.40%. For example purposes only, this APY range is calculated assuming account balances from $10,000.01 to $50,000.00. Disclosed APY is subject to change after account is opened and is effective as of January 13, 2026. Fees may reduce earnings.