Deposit Services

Access your accounts online 24 hours a day via First Capital Bank Business Internet Banking. To sign up for Business Internet Banking, please call us at 804.273.1250.

Business Internet Banking Help Line:  804.273.1250

 

Business Internet Banking Demo

Business Checking Accounts

Small Business Checking is designed for small businesses with low to moderate account activity desiring an account with minimal service charge.

Features and Benefits

• Detailed monthly image statement
• 300 items (checks, deposits, deposit items and debits) per month
• Free Business Internet Banking
• Free Business Bill Pay
• Free Online Check Images
• Free Visa Business Debit Card
• Courier services for non-cash deposits

Requirements to Waive Monthly Service Charge

• Average daily balance of $2,500

Monthly Service Charge

• No charge if minimum average daily balance of $2,500 is met; otherwise $10 account maintenance charge
• A per item fee of .25 is charged for exceeding monthly maximum activity limits (300 items).

Minimum Opening Deposit

• $200

Edge Commercial Checking is designed for businesses with significant account activity or cash management needs looking for a high powered analysis checking account.

Features and Benefits

• Free detailed monthly image statement
• Fast and convenient branch service
• Free Business Internet Banking
• Free Business Bill Pay
• Free Online Check Images
• Free Visa Business Debit Card
• Earnings Credit Rate is applied to reduce monthly analysis charge
• Courier services for non-cash deposits
• Also available with this account: ACH, Remote Capture (FRED), Sweep/Investment Service, Zero Balance Accounts and Lockbox

Requirements to Waive Monthly Service Charge

• No charge if the Earnings Credit exceeds the monthly analysis charge. Otherwise your company's monthly earnings credit will reduce your monthly service charge of $10 plus activity fees.

 

Business Savings Accounts

Business Savings is designed for business customers who are looking for a traditional savings account.

Features and Benefits

• Competitive rates of interest
• Free Internet Banking
• Free Visa ATM/Debit Card with primary checking account
• Four free withdrawals monthly

Requirements to Waive Monthly Service Charge

• $200 average daily balance

Monthly Service Charge

• No monthly service charge if minimum balance is kept; otherwise $5 per month
• $1 fee if withdrawals exceed four per month

Minimum Opening Deposit

• $200

Business Money Market Accounts

Business Money Market is designed for business customers who are looking for a convenient savings account with competitive interest rates, immediate access to funds and limited check writing ability.

Features and Benefits

• Competitive rates of interest based on deposit balance (tiered)
• Free Internet Banking
• Free Online Check Images
• Unlimited withdrawals at ATMs and in person
• Free Visa ATM/Debit Card with primary checking account
• Courier pick up for non-cash deposits
• Six free withdrawals monthly

Requirements to Waive Monthly Service Charge

• $1,000 average daily balance

Monthly Service Charge

• No monthly service charge if minimum balance is kept; otherwise $6 per month

Transaction Limitations

• Banking regulations allow no more than six transfers and withdrawals per calendar month. There is a per item charge of $5.00 withdrawals in excess of six.

Minimum Opening Deposit

• $1,000
   

Capital Performance Money Market is designed for customers with higher personal balances who desire more competitive interest rates, immediate access to funds and limited check writing capability.

Features and Benefits

• More competitive rates of interest
• Free Internet Banking
• Free Online Check Images View
• Unlimited withdrawals at ATMs and in person
• Free ATM/Debit Card with primary checking account
• Six free withdrawals monthly

Monthly Service Charge

• No monthly maintenance fee

Transaction Limitations

• Banking regulations allow no more than six transfers and withdrawals per calendar month. There is a charge of $5 for each withdrawal in excess of six.

Minimum Opening Deposit

• $10,000
• If balances drop below $10,000, the interest rate drops to a lower tier Money Market rate.

Business Certificate of Deposit

Business Certificate of Deposit is designed for those who want to earn interest on deposit balances of $500 or more through a desired maturity date.

Features and Benefits

• Flexible maturities of from 180 days to five years
• Interest credited to customer's account or mailed monthly or quarterly per customer's request
• Convenient automatic renewal

Limitations

• No additional deposits may be made to the account prior to maturity.
• Penalty for early withdrawal varies depending on maturity and balance.
• Other restrictions may apply.

Minimum Opening Deposit

• $1,000 for Certificates of 180 days
• $500 for Certificates of all other maturities

Non-Profit Checking

Bonus Checking for Non-Profits is designed for non-profit organizations with a desire to earn interest on their checking account balances.

Features and Benefits

• Interest bearing
• Free introductory checks
• Free detailed monthly image statement
• Fast and convenient branch service
• Free Business Internet Banking
• Free Business Bill Pay
• Free Online Check Imaging
• Free Visa Business Debit Card
• Free Notary Service
• Free Night Deposit Service

Monthly Service Charge

• No monthly service charge with proper documentation of non profit status. Some limitations may apply. 

Minimum Opening Deposit

• $200

IOLTA (Interest on Lawyer's Trust Account)

Interest on Lawyer's Trust Account (IOLTA) is designed exclusively for Lawyers and law firms for the deposit of funds held on behalf of clients.

Features and Benefits

• Interest bearing account
• Courier pick up for non-cash deposits - some limitations may apply 
• Free Business Internet Banking
• Free Wire Transfers
• Free detailed monthly image statement
• Free first order of checks

Monthly Service Charge

• No monthly maintenance fee

1031 Exchange Account

1031 Exchange Account is designed exclusively for the real estate investor who is selling one (or more) investment property and purchasing one (or more) 'like kind' property within 180 days. Capital gains may be deferred through the use of a 1031 Exchange Account.

Features and Benefits

• Easy opening, transfer and closing in a highly secure bank environment
• Segregated accounts 
• Preparation of 1031 Exchange Agreement documents
• Helpful email reminders reminding client to identify a replacement property within 45 days
• Monthly account statements

Service Charge

• No monthly maintenance fee
• One-time flat fee of $500
• Fee waived on transactions over $1,000,000