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Personal Savings Accounts

Want to save money and earn interest, but have access to your money when you need it?  A 1st Capital Bank savings account is your answer. Stop by one of our branch locations and speak with one of our friendly bankers about our savings account options and current interest rates. We are happy to help you chose a savings account that will best suite your banking needs.   

Personal Savings Products Comparison Chart

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

Savings Accounts
Account TypeMinimum to Open AccountService Charge Minimum Balance

Pre-Authorized Transfers per

Statement Cycle3

Earns Interest Free Online BankingNo-ATM Surcharge Fees2
Personal Regular Savings $100.00 $500.001 Six (6) Checkmark Checkmark Checkmark
Premier Personal Savings $100.00 $500.001 Six (6) Checkmark Checkmark Checkmark
Minor Savings $100.00 None Six (6) Checkmark Checkmark N/A
Health Savings $100.00 None Unlimited  Checkmark   Checkmark  Checkmark 
 

We make Banking Easy

    • No ATM Fees at 1st Capital Bank and Allpoint ATMs
    • Reimbursed ATM Surcharge Fees Charged by Non 1st Capital Bank ATMs2
    • Free Online Banking and eStatements
    • Free Mobile Banking and Mobile Check Deposit
    • Combined Statement Available with Checking Account with Identical Ownership

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1. Personal Regular Savings and Premier Personal Savings: A service charge fee of $2.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.
2. ATM surcharge fees charged from other institutions or banks will be credited back on your monthly statement.
3. 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 preauthorized or automatic transfer of telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. 

 

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.

Average Daily Balance Computation:
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 method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

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