Personal Banking

 

Business Banking

Loan Services

Loan Services

Business Banking

About Us

Consumer and Installment Loans

1st Capital Bank provides consumer and installment loans to meet your credit needs.

We are dedicated to provide you a quality, local service as we are deeply committed to serving our clients to the fullest. The best way to learn about a consumer loan program that would best compliment your checking service  is to talk with a new account representative at any of our branches.

Overdraft Line of Credit

Consumer Loans

An overdraft line of credit is a loan attached to your checking account. The benefit of an overdraft line of credit is that you will have peace of mind, that your checks will be paid when your cash in your account is limited.  With an Overdraft Line of Credit, your checking account is covered. It protects you from overdrafts and from having transactions denied for insufficient funds.

How it Works

Overdraft Line of Credit is automatically activated when you exceed your checking account balance. To cover the transaction, funds equaling the overdrawn amount are transferred from your line of credit to your checking. It's a safety net that provides convenience and peace of mind.

 

For more information, please visit one of our branch offices to discuss a solution that is right for you. 

Salinas:  1097 South Main Street:  831.540.4080

King City: 432 Boardway Street:      831.385.8900

Monterey: 445 Tyler Street:               831.264.4070

 

All loans subject to credit approval

Home Equity Lines of Credit

Home Equity Lines of Credit

We make it easy to improve your home! Our Home Equity Line of Credit is a consumer loan, secured by the equity in your home. We provide variable rates, easy access, and flexibility on payment options.

 

To apply for a Home Equity Line of Credit, please contact one of the following individuals:.

 

Michael Jennings, Vice President

NMLS ID # 878576
Salinas Office
1097 South Main Street, Salinas, CA. 93901
831.540.4087
 

Jane Arroyo

NMLS ID # 805442
Ryan Ranch Office
5 Harris Court, Building N, Suite 3, Monterey, CA. 93940
831.264.4017 

 

All loans subject to credit approval

Consumer Credit Cards

Consumer Credit Cards

Click here to complete your Visa Credit Card Application

Make your shopping and bill pay easy, comfortable, and secure with our credit cards. Through a busines partner, we offer a credit card program to suit your financial needs.   

For more information, please visit one of our branch offices to discuss a solution that is right for you.

 Salinas:  1097 South Main Street:  831.540.4080

 King City: 432 Boardway Street:      831.385.8900

 Monterey: 445 Tyler Street:               831.264.4070

 

All loans subject to credit approval

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