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Loan Services

Business Banking

About Us

Employee Benefits

Employee Checking

Employee Checking  

We make it easy for your staff to enjoy banking at 1st Capital Bank. Your employees can receive a checking account with no monthly service charge, debit card, and overdraft protection, subject to approval. Health Savings Accounts are available for your employees that have a high-deductible insurance plan.

 

Health Savings Accounts (HSA)

HSA  

Health Savings Accounts (HSA) is a tax favored savings or investment account created to pay for medical expenses. It is an excellent way to control the rising cost of health care for employees. The account works in conjunction with a high-deductible health plan to lower your premium costs for employee health coverage. HSA distributions are to be used exclusively to pay for or to reimburse qualified medical expenses. Please stop by any of our branches for an HSA brochure for qualifying criteria and additional information.

Features

  • Tax-Free Interests or Earnings on assets
  • Tax-Free Distributions for qualified medical expenses defined by IRS
  • Tax Deductions for contributions
  • Contributions may be 100% of the maximum specified by IRS each year
  • Minimum Opening Requirement of $100.00
  • One Complimentary Order of 25 checks
  • Free Debit Cards
  • Low Annual Service Fee of $20.00
  • Allowing 10 Transfers or ATM transaction and 3 Checks monthly
  • Excessive Transaction Fee of $3
  • Tiered Interest Rates 1
  • Free Online Banking
  • Unlimited Withdrawals for qualified medical expenses
1 Rate information: our interest rate and annual percentage yield are subject to change on your account at anytime per our discretion. You can contact our branches for current rate quotes.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. The method applies a daily periodic rate to the principal in the account each day.