Personal Checking

We understand that everyone has different needs when it comes to a checking account.

That’s why we offer you six different checking options to ensure that you get an account that is perfect for you. We offer everything from very simple, basic checking accounts to interest-bearing accounts, money market accounts and more.

Get Started

Most of our personal checking accounts may be opened with a small initial deposit – and all Commercial Capital Bank accounts carry the maximum FDIC insurance coverage to help protect your assets.

Connect

Please feel free to contact us for more information about any of our personal checking accounts – or stop by either of our locations and let us meet your needs personally.

Delhi Branch

Customer Service Representative
318.878.2274

Bastrop Branch

Customer Service Representative
318.281.6000

Platinum Club

This checking account comes with exclusive benefits for our customers.
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      No minimum balance requirements
      Unlimited check writing
      Safe deposit box discount – 50%
      Money orders and cashier's checks
      Personalized checks
      $6.00 maintenance fee per month
      Ages 55 and older will receive all of the benefits for half of the regular monthly fee

      Benefits:
      •$20,000 Accidental Death and Dismemberment Insurance and $100,000 Common Carrier Insurance coverage
      •Travel Assistance Services
      • Identity Theft 911 – Lifestages
      •Shopping Benefits
      •Health Benefits
      •and more

Capital Thrifty

If you don't write many checks each month and keep lower balances, this account may be the best choice for you.
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      Must deposit $50.00 to open
      No minimum balance requirements
      No interest
      $3.50 maintenance fee per month
      Checks in excess of 15 per statement cycle are charged $.25 per check
      Service charge waived for the first six months for young customers getting started and under the age of 24

Golden Capital

At Commercial Capital Bank we understand that growing older means growing wiser. That's why we created the Golden Capital Account – a special package of banking services for our customers age 62 and over.
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      Must deposit $100.00 to open
      Monthly service charge of $4.00 if average balance drops below $500.00
      Unlimited check writing
      No interest
      Free basic wallet-style checks on your first check order
      Direct deposit

Capital Regular Checking

The service charges are fairly set, with an option to avoid them altogether.
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      Must deposit $100.00 to open
      Monthly charges based on minimum balance:
      $1,000.00 and above – no service charge
      $999.00 and below – $10.00
      Unlimited check writing
      Available to individuals only
      No interest

Capital Interest Account

With your interest-bearing checking account, you get the best of both worlds – the accessibility of a checking account plus the earning power of an investment.
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      Must deposit $100.00 to open
      Interest is credited to your account monthly on the statement date<
      Interest is accrued on your daily ledger balance
      Interest rate paid is established at the discretion of Commercial Capital Bank and may change at any time
      Each day your ledger balance is $1,500.00 or more, your account will earn interest on the entire ledger balance
      If your average balance drops below $1,500.00 per statement period, you will incur a $10.00 monthly service charge

Capital Money Market Account

This account has a tiered interest schedule that pays higher rates on higher balances.
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      Must deposit $2,500.00 to open
      Interest is calculated daily on the average balance
      Interest is compounded monthly and credited to your account monthly on the statement date
      Each day your collected balance is $2,500.00 or more you will earn interest on the entire balance
      A service charge of $10.00 will be applied if the average ledger balance falls below $2,500.00 anytime during the statement cycle.
      This is a limited transaction account. You may make six (6) withdrawals or transfers from your account per statement cycle. This does not include transactions made in person at the bank.
      There is a $15.00 fee for each excess transaction paid on this account

      Tiers:
      •$2,500.00 – $24,999.99
      •$25,000.00 – $49,999.99
      •$50,000.00 and over
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