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Our branches will be closed on Thursday, November 26, for Thanksgiving. Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.

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Business Checking Solutions  

Intro Image Checking

Choose from a variety of Business Checking Accounts, tailored to meet the diverse needs and sizes of businesses and supported by exceptional service. Accounts feature VISA® debit cards with Instant Issue, wire access capabilities, ACH transactions, eStatements and eNotices, web- and mobile-banking with Bill Pay, and many other flexible options to help you manage your business finances, cost-effectively.


BusinessEase Checking

Ideal for small businesses.

Business Ease Checking

Perfect for small or emerging businesses with modest cash-handling and transaction needs, CAP COM’s BusinessEase Checking Account provides up to 175 free transactions per month. There are no monthly fees, and no average daily minimum balance required.


BusinessElite Checking

Designed for businesses with moderate volume transactions.

Business Elite Checking

If you carry higher account balances and generate a moderate volume of transactions, the BusinessElite Checking Account is for you. This account provides up to 350 free transactions per month, and bears competitive dividends when you maintain an average daily balance of $2,500.

Business Analyzed Checking

For high-volume businesses with large account balances.

Business Analyzed Checking

This premium tiered checking account offers favorable terms for businesses with higher volumes and balances. Features include reduced per-item fees and an earnings credit that can be used to offset fees. Contact us for a complimentary cost analysis to locate ways to reduce banking expenses with a checking solution that fits your business.


Organizational Checking

Perfect for not-for-profits and associations.

Intro Image Checking

Non-profits contribute so much to the quality of life in the Capital Region. This checking solution reinforces CAP COM's commitment to you. The Organizational Checking account enables you to simplify your day-to-day finances, so you can focus on the work that matters. Features include no minimum balance, competitive dividends, no monthly service fee, and 500 free items per month.


IOLA Checking

Exclusively for lawyers and law firms maintaining escrow funds.

IOLA Checking

In 1983, the New York State legislature created the New York State Interest on Lawyer Account Fund (IOLA), as an option for attorneys to manage and maintain deposit funds on behalf of their clients. Proceeds from IOLA accounts provide financial support to non-profit civil service legal organizations across the state.