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About Us

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.

Checking Accounts
Account TypeMinimum to open accountInterest EarnedService Charge Min. BalanceFree Online Banking Free Bill PayNo-ATM Charges1 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 Checkmark
Interest Checking  $100.00 Yes $2,000.004 Checkmark Checkmark Checkmark Checkmark
Privileged Checking $100.00  N/A   None  Checkmark  Checkmark Checkmark  Checkmark 
Premier Interest Checking $100.00 Yes $25,000.006 Checkmark Checkmark   Checkmark Checkmark 
Direct Deposit Checking  No Minimum N/A None Checkmark Checkmark Checkmark Checkmark
Money Market Checking $100.00  Yes  $2,500.005 Checkmark  Checkmark  Checkmark  Limited to 6 transactions per statement cycle 7 
Premier Money Market Checking $100.00   Yes  $25,000.006 Checkmark  Checkmark  Checkmark  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

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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.