Capital Bank N.A., is a Maryland chartered commercial bank offering business and consumer banking services through branches in the greater Washington D.C. metropolitan area alongside two nationwide lending brands: Capital Bank Home Loans, their mortgage division, and the OpenSky Secured Visa Credit Card. Since opening in 1999 amid a banking contraction and industry-wide consolidation,... show more
Capital Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/25/2026.
3.6
7,872 reviews
from WalletHub and across the web
7,872 reviews from WalletHub and across the web
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Capital Bank
Juan Lopez @brandenlopez41
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1 Star Rating
Open Sky lies to you about accepting their credit card. I had the secured Visa card with a $300 limit, which I maintained for 2.5 years, never missing a payment and always keeping the account in a positive state. Open Sky presented me with a gold card with a $1,000 limit. I asked the representative if there was an annual fee, and she said "no," but I would have to pay $59 to start with. I agreed, believing her that there was no annual fee. I woke up this morning to a ding on my credit report. I rushed to check my Equifax credit report and saw Open Sky hit my credit with an annual fee of $59, which damaged and lowered my credit utilization. I called Open Sky, and they stated the gold card has a $59 annual fee. I said o no absolutely not. I then Canceled that credit card immediately. it's been over a year ago, when I was presented with the gold card, the rep stated there was no annual fee and no ding to my credit. I immediately canceled that Open Sky credit card. It is so unfortunate Open Sky uses lies to get people to get their card, only to charge an annual fee of $59. I am shopping for a better company that keeps their word. Open Sky needs to teach their reps to provide correct information to customers.
What bothers me the most is that I could have looked past the $59 fee if they had notified me and given me time to pay it, but no, they kept it a secret and placed it on my credit to damage it. Open Sky didn't even give me a chance or notify me of this charge, only to place it on my account upon reporting to the credit bureau. I am considering canceling the other one as well. That is so upsetting.
Open Sky Credit Card has been an amazing tool for me to begin the process of building a positive, revolving credit history and becoming financially stable. I feel like this has been a great first step towards becoming truly successful and independent. Also, they have outstanding Customer Service and Support if you need anything at any time! THANK YOU OPENSKY - You are appreciated by this satisfied customer! Sincerely, Jordan W.
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Product: Capital Bank Credit Cards
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Capital Bank
Ali Evans @alie_8
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2 Star Rating
I don't like this card. Sometimes, they take over five business days to process payments from your account. Also, they often take three to five days to reflect your available balance even after the payment has cleared. I've paid this card down to $0 and don't plan on using it again. The interest is also exorbitant, but I got it to rebuild credit. The pro is that they approved me when I needed to rebuild. This is not a card you want to be irresponsible with at all.
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Product: Capital Bank Credit Cards
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Capital Bank
Leo CapeCod @onsetbeachbum
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2 Star Rating
It's okay when you're coming out of bankruptcy and need to re-establish credit. The biggest problem with this card is that you make an online payment, and the next day they tell you that the payment was posted, but it's really not. It takes 5 days to post. Therefore, they're earning interest on your money.
I regret getting this card already. Budget sent the release form for my 250 deposit and they keep saying they haven’t received it for the last 5 times. I told them I’m closing it after I get my money back and I will go to my news outlet I’m not playing
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Capital Bank
Edward Marsh @edwardm_180
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5 Star Rating
Verified Customer
Great app to build credit
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Product: Capital Bank Credit Cards
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Capital Bank
greg lathers @Greglathers
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2 Star Rating
Verified Customer
Paid off in full over a month ago. Lowered credit limit to almost nothing based on inaccurate information.
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Product: Capital Bank Credit Cards
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Capital Bank
Carlos Garcia @cgarcia14201
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1 Star Rating
(WARNING) Please stay away from this card. I opened this account with a $100 deposit, and it's been a nightmare since day one. The fees they charge are unrealistic. The company charges a late fee, a service fee, a processing fee, and they charge you a fee to make a payment. Then, after you make a payment, it takes 7 to 10 days for your payment to post, even when you use a debit card. The reason they do that is so your payment will be late, and then they can charge you an extra $25.37 late fee because it took them 10 days to process the payment; it's a complete scam.
They take advantage of hardworking people who are trying to build their credit. You give them a $100 deposit, and before they're done with you, you owe them hundreds of dollars in late fees and service fees. We work hard for our money to just give it away to people who are stealing it the legal way. Before you click on that agreement, please read it and stay away from this company. They will destroy your credit report and your pocketbook. Even if they offered me $1,000 in credit, I would not take it because I can't even imagine the amount of fees they would end up charging me in the end. I can't stress enough to stay away from this company.
Yeah they need to be shutdown seriously. After seeing all this I hate I came here
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Capital Bank
Freda Lewis @lewisfreda14
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1 Star Rating
This is the most horrible secured credit card ever. It has poor customer service, ridiculous made-up fees, and takes forever to post your payments. It also will hold your funds hostage for authorization holds.
Omg I’m going through this right now. Rented a car and they sent the release for over and over I even have the release for as well and they keep saying they didn’t receive it. This has been since 1/8/2026. I told them I’m not calling back budget back because they did their part over and over. ATP I’m waiting for the automatic release of my money and I’m closing my account. I told them that today. Only had the damn card for not 3 months
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Capital Bank
Keyle Smith @raquillesandss
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1 Star Rating
Please do not use OpenSky. This is not a good card for building credit. Your scores will drop as soon as you use the card. They have ridiculous, made-up fees. They take five business days to make credit available after making payments. This is a predatory financial institution that makes it nearly impossible to close your account with them. They will take eight weeks to send you your deposit back but will take your money immediately.
Ridiculous fees they come up with. It takes 5 days for a payment to clear. There's a $10 fee if you pay your bill with debit to clear in 24 hours. You put in your own money but can't increase your own limit. If you cancel, it's a headache to get your own money back. Big scam.
Terrible outfit, terrible service, ridiculous fees, and charges... Run as far and fast as you can, as you will also not ever be able to leave; they make discontinuing services just about impossible, requiring certified mail to get anything done.
OpenSky opened my account and took my $300 for security. All was fine until I was upgraded to their Gold card with a $1000 limit. I cancelled the original card and requested my $300 back. I was told it would take 8 weeks for the refund. It has not arrived yet and we are closing in on 6-7 weeks. My money was withdrawn immediately, but it takes 8 weeks to refund. Beware!
They will literally ruin your already poor credit, if you can believe that! This company scams you and charges fees like crazy! It's amazing how they haven't been shut down yet. Time will come; just wait for it. I see a class action lawsuit coming in the near future! Remember, they don't help build your credit. They destroy your credit score!
They charge you interest on purchases you make with your own money! What a rip-off! Guess I missed the tiny print because I never would have gone with this card.
Me either. They’re keep telling me that they haven’t receive the release form from my rental for the last 4 times. I’m closing my account after I get my money back
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Capital Bank
Adrienne Ho @adriennelynn66
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1 Star Rating
Horrible, they are refusing to give me back my $1500 security deposit, stating that it has been in the mail since March 23rd. I closed my account on March 18th, 2025, because of the horrible reviews, and I wish that I had read them first. I contacted the BBB, Attorney General, and disputed with my bank, and I am hoping to hear something soon. The customer service is horrible; one person says one thing, and another person says something completely different. Please try other banks to get approved for a secured card. Lesson learned.
Same here. I did the $700 deposit and closed due to getting a Discover card with a 4k limit. I closed on May 18th, the 22nd showed it on my card status, now on June 5th it shows my check was mailed and here it is June 17th and I've received nothing! It doesn't take that long to mail a check. They should refund it the same way they took it and that's thru my checking account. By the end of the week I'll be making contact with a few agencies to report this. I also had my card had a zero balance as well and the agent I spoke to said so and that I'll be getting my full deposit of $700
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browneyedgirl24 @browneyedgirl24
Yeah I regret it and it’s only been not even 3 months
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Get answers to your questions about Capital Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure
You can make opensky® Secured Visa® Credit Card payment online, by phone, through the Capital Bank mobile app, or by mail. To pay your opensky bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make opensky Payment
Online: Log in to your online account and click on “Payments.”
By phone: Call (800) 859-6412 and enter your card information when prompted, then follow the prompts to make a credit card payment.
Through the mobile app: Log in to your account and select your card, then tap “Payments.”
By mail: Send a check or money order (but not cash) to
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a opensky payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
No, the opensky doesn't have pre-approval. The issuer does not offer pre-approval through its website. However, opensky does not run a credit check when you apply. This means that you won't have to deal with the temporary damage to your credit score that can accompany a hard credit inquiry.
The opensky card is a good credit card for people with bad credit who want high approval odds. The downside is that the card has a $35...
Opensky credit cards work like any other secured credit cards, giving you a credit limit equal to the amount of the refundable security deposit you're required to place. You must make a deposit of at least $200 or $300, depending on the card, and the amount you put down is returned to you (minus any unpaid balance) when you close or graduate your account.
Yes, you can pay your opensky® Secured Visa® Credit Card bill by phone. To make your opensky payment over the phone, call 1-800-859-6412 and follow the instructions from the automated menu, then enter your payment information. The process should only take a few minutes.
Yes, the opensky secured credit card is safe. The card is issued by the FDIC-insured Capital Bank and belongs to the Visa network. The opensky secured credit card also offers standard security features such as $0 fraud liability protection and a 3-digit security code printed on the back of the card.
In addition, the opensky secured credit card comes with an embedded computer chip. Chip-based cards are considered to be more secure than magnetic stripe cards since they are...
To talk to opensky customer service, call 1-800-859-6412 and then enter your 16-digit card number. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to opensky Customer Service by Phone
Call the opensky customer service department. You can even use the number on the back of your card.
If you pay off your balance completely before closing your account, your full deposit will be returned to you via mail. If you close your account with a balance remaining, the deposit will be used...
To use your opensky card with Apple Pay, open the Wallet app on a compatible Apple device and follow the steps to add your card. Once your card has been verified, you'll be able to use the card through Apple Pay with any merchant who accepts contactless payments.
How to use your opensky card with Apple Pay at a physical merchant:
You can download the opensky card mobile app either from the App Store or Google Play. It depends on whether you have an iOS or Android device, respectively. Then, log in with the same credentials you use for your online account. Among other things, you can use the opensky card mobile app to:
You can check your opensky application status by calling 1-800-859-6412. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Capital Bank can match you to your application. You can also check your opensky application status online.
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