Lending Solutions
Personal Banking:
1st Capital Bank offers checking accounts that meet almost every need. Whether you write a few checks a month or you have complex requirements, we want to help you chose the right account that will best suite your banking needs. Every checking account comes with a Visa Debit Card with no ATM Fees Worldwide!
Use 1st Capital bank for your daily banking needs including online access, unlimited on-line bill payments, account transfers and balance inquiries. To get started, stop by one of our branch locations and speak with our new account representative.
Checking and Money Market Comparison Chart
Simply click one of the products to view more specific details.
| Account Type | Minimum to open account | Interest Earned | Service Charge Min. Balance | Free Online Banking | Free Bill Pay | No-ATM Charges1 | Unlimited Check Writing |
|---|---|---|---|---|---|---|---|
| Personal Checking | $100.00 | N/A | $1,000.002 | ||||
| LifeLine Checking | $100.00 | N/A | $100.003 | ||||
| Interest Checking | $100.00 | Yes | $2,000.004 | ||||
| Privileged Checking | $100.00 | N/A | None | |
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| Premier Interest Checking | $100.00 | Yes | $25,000.006 | |
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| Direct Deposit Checking | No Minimum | N/A | None | ||||
| Money Market Checking | $100.00 | Yes | $2,500.005 | Limited to 6 transactions per statement cycle 7 | |||
| Premier Money Market Checking | $100.00 | Yes | $25,000.006 | Limited to 6 transactions per statement cycle 7 |
We Make Banking Easy
- No- Fee ATM Banking-Worldwide1
- Free Online Banking
- Free Bill Pay
- Account Protection for your Checking Account
- Order Deluxe Checks Online
- Switch Kit to open a New Account
- Safe Deposit Boxes
- Notary Services
1. No ATM Fees Worldwide: ATM fees charged from other financial institutions or banks will be credited back on your monthly statement.
2. Personal Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
3. Lifeline Checking: A service charge fee of $3.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. This account is limited to six paid checks per statement cycle a fee of $0.50 will apply for each additional check over the six per statement cycle.
4. Interest Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
5. Money Market Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. An additional transaction fee of $10.00 may be charged for each transaction in excess of six during the monthly statement cycle.
6. Premier Interest Checking and Premier Money Market: A service charge fee of $20.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $25,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Premier Money Market Only: This account allows (6) preauthorized debits during the monthly statement cycle. Additional tranasction fee of $10.00 will be imposed for each excess of six preauthorized debits.
7. Federal law limits activity on Money Market Deposit Accounts. By law, these account are restricted to (6) preauthorized debits during the monthly statement cycle. Preauthorized debits include checks, drafts, fund transfers and preauthorized debits. There are no limits on the number of deposits in person or ATM withdrawals made to this account.
N/A – Not Applicable
Rate information:
Interest rate and Annual Percentage Yield are subject to change on your account at anytime. You can contact our branches for current interest rate and Annual Percentage Yield information.
Balance Computation Method
We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest Compounding Method and Credit Frequency:
The compounding method is simple interest. Interest will be credited to your account monthly.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS.
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporate from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money market deposit accounts. For more information, click here.