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Personal Banking

1st Capital Bank offers a variety of checking account options designed to fit a wide range of banking needs. Whether you prefer to write checks or manage your accounts through our convenient online banking products, we want to help you chose the account that will best suite your banking needs. To get started, stop by one of our branch locations and speak with a Client Services Representative.

Personal Checking Products Comparison Chart

Simply click one of the products below to view more specific details.

Checking Accounts
Account TypeMinimum to Open AccountInterest EarnedService Charge Min. BalanceFree Online Banking Free Bill PayNo-ATM Surcharge Fees1 Unlimited Check Writing
Personal Checking  $100.00 N/A $1,000.002 Checkmark Checkmark Checkmark Checkmark
Lifeline Checking  $100.00 N/A $100.003 Checkmark Checkmark Checkmark Limited to 6 Checks per Statement Cycle3
Personal Interest Checking  $100.00 Yes $2,000.004 Checkmark Checkmark Checkmark Checkmark
Privileged Checking $100.00  N/A   None  Checkmark Checkmark Checkmark  Checkmark 
Premier Personal Interest Checking $100.00 Yes $25,000.005 Checkmark Checkmark   Checkmark Checkmark 
Direct Deposit Checking  No Minimum N/A None Checkmark Checkmark Checkmark Checkmark
Personal Money Market Checking $100.00  Yes  $2,500.006 Checkmark  Checkmark  Checkmark  Limited to 6 Pre-authorized Transfers per Statement Cycle8
Premier Personal Money Market Checking $1,000.00   Yes  $25,000.007 Checkmark  Checkmark  Checkmark  Limited to 6 Pre-authorized Transfers per Statement Cycle8
 


We Make Banking Easy

    • Free Visa® Debit Card
    • No ATM Fees at 1st Capital Bank and AllPoint ATMs
    • Reimbursed ATM Surcharge Fees Charged by Non 1st Capital Bank ATMs1 
    • Free Online Banking and eStatements
    • Free Electronic Bill Payment
    • Free Mobile Banking and Mobile Check Deposit
    • Combined Statement Available with Checking or Savings Account with Identical Ownership

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1. ATM surcharge 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 $1,000.00.
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. A fee of $0.50 will apply for each paid check exceeding 6 per statement cycle.
4. Personal 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.
5. Premier Personal Interest Checking: 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.
6. Personal 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.
7. Premier Personal Money Market Checking: 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.
8. Personal Money Market Checking and Premier Personal Money Market Checking: During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer of telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. An additional transaction fee of $10.00 will be charged for each pre-authorized transfer in excess of six per statement cycle.

N/A – Not Applicable

  

Average Daily Balance:
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.

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.

Credit Frequency and Interest Compounding Method:
Interest will be credited to your account monthly.  Interest will be compounded monthly.