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Frequently Asked Questions

If we have not answered one of your questions, please contact us or visit us at one of our locations.


Q. I lost my ATM/Debit Card. What do I do?

A. To report your card lost or stolen, please call 1-800-554-8969 or visit us at one of our locations.


Q. I am planning to travel outside the United States. Can I use my ATM/Debit Card? Are there ATM withdrawal fees?

A. 1st Capital Bank offers No ATM Fee Worldwide! You can withdraw cash locally, U.S. wide,  and internationally with no fee. ATM fees charged from other institutions or banks will be  credited back on your monthly statement.


Q. When will my ATM deposit show in my account?

A. Deposits made on weekends, holidays, or after 3pm on business days, will be treated as if  they were made on the following business day. Funds from deposits may not be available for  immediate withdrawal. Please refer to our rules governing funds availability for details.


Bank Products and Services

Q. Are my funds Federal Deposit  Insurance Corporation (FDIC) insured?

A. Yes. All funds in a “noninterest-bearing transaction account” are insured in full by the  Federal Deposit Insurance Corporation (FDIC) 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 the FDIC’s general deposit insurance rules.

A “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 about temporary FDIC insurance  coverage transaction accounts, visit


Q. How do I reorder checks?

A. Visit our Reorder Checks (link “Reorder Checks” under Online Services-Personal/Business)  section to order more checks.


Q. Do you offer Direct Deposit?

A. Yes we do! Direct Deposit is a secure and confidential way to transfer payroll funds  electronically from your company or an organization into your checking or savings account. For  more information, visit our Direct Deposit section (link “Direct Deposit” under Online Services- Personal/Business).


Q. Can I pay my bills online for my Personal Account?

A. Yes, through our Online Bill Pay service. You must first sign up for Online Banking to  access Online Bill Pay. Visit our Online Bill Pay section for more details.


Q. I am a Business Owner and I need to deposit checks quickly and frequently, but my office is not located conveniently to a bank office. What do I do?

A. Our Remote Capture service is your solution. You can make your deposit right at your office  and you will receive an automatic deposit confirmation that can be viewed through accessing  Online Banking. Prequalification required. For more information, visit our Remote Capture  section.


Q. Do you have a Spanish Speaking representative?

A. Yes. All of our branches have a Spanish Speaking Client Service Representative.


Q. Does the Bank offer Home Loans?

A. Yes. In fact, 1st Capital Bank offers a variety of Loans and Lines of Credit. For more  information, visit our Loans and Lines of Credit section or contact us or visit us at one of our  branches.


Q. Who do I contact for stock and investor information?

A. Please visit our Investor Relations section.


Q. Do you offer Certificates of Deposits (CD)? What are your rates?

A. We offer a wide range of CDs with competitive fixed rates and various maturity terms. For  more information on rates and terms, please contact us or visit us at one of our branches.


Privacy and Security

Q. What does 1st Capital Bank do with my personal information?

A. Please visit our Privacy Statement section


Q. What is 1st Capital Bank’s policy on Security and Fraud Prevention?

A. Please visit our Security Center section