Checking That Fits Your Life Perfectly

We’ve got options for every lifestyle
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Find Your Perfect Checking Match

We know you’ve got choices when it comes to banking. That’s why we’ve designed our checking accounts with you in mind. You’ll get the advanced tools you want, competitive rates you deserve, and the personal touch that makes all the difference.

What You’ll Love About Every Account

  • Your own debit card with tap-to-pay technology for quick, secure shopping 
  • Access to 55,000+ surcharge-free ATMs nationwide2 through our Allpoint Network 
  • Complete peace of mind with 100% deposit insurance on all balances through FDIC and DIF 
  • Your first order of checks is on us—we’ll get you started right 

Why We’re Different

  • We know your name when you call or visit 
  • We reward you just for using your debit card with MyCapeRewards! 

Discover MyCapeRewards!

The program that rewards you for using your debit card. Banking with Cape & Coast is more rewarding than ever! MyCapeRewards is the program that rewards you for using your Cape & Coast debit card for everyday purchases or for referring family and friends!

Earn points for using your Cape & Coast debit card on purchase transactions! Choose to redeem your points right away or accrue points that can be redeemed for anything from small gifts and services to gift cards and vacations. MyCapeRewards also offers a platform to shop from your favorite retailers to earn cash back on purchases.

Visit MyCapeRewards.com to browse prizes, gift cards and to learn all the ways you can earn points!

Earn one point for every $100 spent* with a signature or PIN transaction.

Earn extra points by shopping online through the merchants listed on mycaperewards.com

Refer a Friend to open a new checking account and you’ll both receive a reward.

*Rewards points expire two years after issue.

IMPORTANT PRIVACY NOTICE: By participating in the referral program, you grant permission to Cape & Coast Bank to provide the reward to both the referring and referred person, which will disclose your status as a customer of the bank.

You must be 18 years of age and have a valid email address to participate in Invite a Friend referrals. Both individuals and businesses can participate in making and receiving referrals. Referred person or business is considered a new customer if person or business has not been the tax responsible party (as identified by tax identification number) on a checking account in the past 90 days prior to date of opening new checking account. Referred person must open an eligible checking account (money market accounts and business sweep checking accounts are excluded). Rewards Certificate will list number of points awarded and an expiration date by which such points must be used. This referral program is subject to change and cancellation at any time without notice. Employees of Cape & Coast Bank are eligible to participate subject to certain restrictions; inquire within.

Which Account Speaks to You?

We’ve made it easy to compare our most popular checking accounts. Each one’s designed with different lifestyles in mind, but they all come with the friendly, personal service that’s made us a trusted community bank for generations.

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Free Checking

Keep it simple with no monthly fees or balance requirements. Perfect if you want straightforward, hassle-free banking. 

  • No monthly fees, ever 
  • No minimum balance to worry about 
  • Free online and mobile banking1 
  • Free debit card with contactless pay 
  • Access to 55,000+ free ATMs2 
  • First order of checks is free 
  • Mobile check deposit 
  • 100% deposit insurance on all balances
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SmartRate Checking

Earn higher interest on balances up to $10,000.

$15 monthly fee refunded when you meet simple qualifications.

  • Competitive interest rate 
  • $15 monthly fee refunded when qualified 
  • Up to $10 non-bank ATM fee refunds 
  • Free online and mobile banking1 
  • First order of checks is free 
  • Mobile check deposit 
  • 100% deposit insurance on all balances 
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50+ Interest Checking

Designed just for those 50 and better. Earn interest with no monthly fees or minimum balance requirements.

  • No monthly fees, ever 
  • No minimum balance required 
  • Competitive interest on all balances 
  • Free unlimited check writing 
  • Free online and mobile banking1 
  • Free basic checks included 
  • 100% deposit insurance on all balances 
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We’re Here for Your Whole Story

Your checking account is just the beginning of what we can do together. Let us help you reach all your financial goals with smart borrowing solutions, high-yield savings, and rewarding credit cards.
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Personal & Home Loans
Whether you’re buying or renovating, we’ll get you flexible loan options with decisions made by people who care about your success.
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High-Yield Savings Options
Grow your money faster with our competitive savings rates, CDs, and money market accounts that beat the big banks.
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Rewarding Credit Cards

Everyday rewards, cash back or travel benefits, our credit cards are designed with your lifestyle and values in mind.
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Ready to Get Started?

When you open your Cape & Coast checking account, we’ll send you a personalized welcome email to help you set up all your banking services and make sure you’re getting the most from your new account.
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1There are no bank fees for this service, but standard wireless/data plan fees and/or text rates apply. Consult your provider. 

2Other banks may charge a fee for the use of their ATM.