Your Internet Browser appears to be out of date! For optimal viewing and security, we recommend that you upgrade your browser

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.

Assistance for Businesses

During this exceptionally challenging time for businesses, you may need some extra support. Contact us to discuss your business challenges and needs, so we can walk through assistance programs available from various sources. Your Business Services team is here to help.

We want to be your business partner

Your business, is personal.

Intro Image

At CAP COM, we understand that your business is personal. That’s why we offer a full suite of products and services tailored to help your business grow. From real-estate and equipment loans, to merchant services and commercial lines of credit, we have the tools you need to thrive.


Business Deposit Products

Help your business grow and prosper.

Business Deposit Products

CAP COM’s business deposit products and services include competitive dividend-bearing accounts, low fees, ACH transactions, wireless capabilities and more to help your business grow and prosper. Follow the links below to learn more, or to get started today.


Business Mobile Deposit

Mobile Deposit Businesses

Are you seeking a quick, convenient and secure way to deposit checks into your business account? Business Mobile Deposit enables you to deposit checks 24/7 with your mobile phone. It’s ideal for businesses with modest check volume, or for accepting payments from any location. Launch the CAP COM app, follow the prompts, and submit your deposit into the account you choose. Contact us and we’ll match you with the CAP COM mobile app that aligns with your business.


Local market expertise

Local decision making.

Local Expertise

With a 60 year history in New York’s Capital Region, a team of experienced local business banking professionals and a network of branches throughout the heart of Tech Valley, CAP COM is uniquely positioned to help identify and capitalize on opportunities to grow your business.


Cash Management


Streamline your financial workflows and reduce expenses with secure and efficient Cash Management solutions. Let us customize a suite of services, so you can manage your company’s daily cash flow, risk, and reporting from your secure Business Banking portal. Accelerate the processing of incoming funds and outgoing payments with Automated Clearing House (ACH), simplify payments with online Bill Pay, and deposit checks electronically with Remote Deposit Capture.


Business Lending

Maximize your returns.

Business Lending Products

With quick turnaround, local decision making, and no prepayment penalties, CAP COM’s business lending products let you react to new opportunities at the speed of business. We can customize a lending solution to fit your company’s needs and help you maximize the return on your business investment.


Merchant Services

What your business needs, and your customers demand.

Merchant Services

In today's ever-changing marketplace, offering multiple payment options is no longer a luxury, it's a necessity. We've partnered with East Commerce Solutions, Inc. (ECS) to help you set up the merchant services your business needs and your customers demand; in-store, online, or via mobile device. Click the East Commerce Solutions button to learn more, and contact us so we can make the introduction. 


Investment & Risk Management

We've got you covered.

Investment and Risk Management

You’re the expert when it comes to your business, but CAP COM’s financial professionals can help you manage the critical areas that are outside of your control, including financial risks, tax planning, insurance and investment options. Speak with an advisor at CAP COM Financial Services today.