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CapStone Bank

4.0ยท 12 reviews
Average ratingGreat
4.0/ 5

Based on 12 reviews

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Questions about CapStone Bank

Based on 12 reviews, listing data and website checks ยท updated yesterday

What is CapStone Bank?

CapStone Bank, operating as SmartBank, was founded in 2006 and opened its first office in Pigeon Forge, Tennessee, in January 2007. The bank now serves clients in Tennessee, Alabama, and Florida through 42 branches. It offers personal and business financial solutions, including online banking, mobile banking, and mortgage services.

What overdraft protection options are available?

The bank offers a SmartPrivilege Overdraft Protection Program that covers accidental overdrafts for qualified personal checking and SmartFree Business checking accounts. Fees for this protection can be up to $35.00 per item, and the approved overdraft limit is subject to eligibility requirements set by SmartBank.

Are safe deposit boxes offered?

SmartBank provides safe deposit boxes at many of its branches to help clients secure their assets. Clients can ask a Financial Service Representative about the specific options and fees associated with these boxes.

What debit card features does SmartBank offer?

Customers can use their SmartBank MasterCard debit card for contactless payments, recurring bill payments, and cash withdrawals at ATMs. The bank also reimburses up to $10 per month in ATM fees for transactions made at non-SmartBank ATMs.

How does SmartBank handle investments?

SmartBank partners with Raymond James Financial Services to provide a broad array of investment products and services. This partnership allows clients to access sophisticated financing and tailor-made deposit accounts through Private Banking.

How can I find the right checking account?

The bank offers an interactive online questionnaire to help customers determine which checking account is right for them. Additionally, SmartBank provides an online Bill Pay service for convenient and secure bill payments.

What insurance services are available?

SmartBank Insurance operates as an independent insurance agency, representing a number of different insurance companies. They compare coverage and prices to find the best possible value for individual circumstances.

What digital payment methods are supported?

SmartBank utilizes Zelle within its mobile app, allowing users to send money quickly and safely to friends, family, and trusted others. The app also supports mobile wallet purchases in-store, online, or in-app.

What services are available for businesses?

The bank offers remote deposit lockbox services and ICS & CDARs for business clients. These tools help streamline the deposit process for businesses that need to manage large volumes of checks.

What is the current Trustburn rating?

As of the Trustburn listing, the bank has a rating of 4 out of 5 stars from 12 reviews. The majority of recent feedback highlights user-friendly websites and responsive customer support teams.

What do recent reviewers say about the experience?

Some reviewers on Trustburn mention that while the website is easy to navigate, they expected more innovative features from a bank in the digital age. Overall, most feedback describes the experience as good to fantastic.

What are the client services hours?

The bank's contact center operates Monday through Friday from 8:00 am to 6:00 pm EST, with extended hours for CST time zones. Client services can be reached at 1.866.290.2554 during these times.

What are the core values of SmartBank?

SmartBank emphasizes its core values of acting with integrity, being enthusiastic, creating positivity, demonstrating accountability, and embracing change. The bank aims to create 'WOW' experiences for its clients and associates.

Where is the bank located and how do I report a lost card?

The bank's mailing address is PO Box 1910, Pigeon Forge, TN 37868-1910. For lost or stolen debit cards, clients can call 1.800.500.1044.

What is the official website of CapStone Bank?

The official website of CapStone Bank is capstonebank.com.

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About CapStone Bank

CapStone Bank was founded in 2006 with the goal of elevating the level of expertise offered to banking customers in the Wake County area. They have brought together a staff of experienced bankers who partner with customers to provide personal and business financial solutions that fit their unique needs.