FREQUENTLY ASKED QUESTIONS



BANKING

Q: Are my deposit accounts FDIC insured?
A: Each individual customer's account is insured by the FDIC up to $250,000.

The Dodd-Frank Wall street Reform and Consumer Protection Act signed on July 21, 2010, made permanent the current standard maximum deposit insurance amount of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

For more information please visit the FDIC's website at http://www.fdic.gov/, or to calculate your coverage, please visit EDIE (Electronic Deposit Insurance Estimator) at the FDIC's site at http://www.myfdicinsurance.gov/.

Q: How do I set up Direct Deposit of my payroll check?
A: After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q: How do I set up Direct Deposit of my Social Security check?
A: After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Q: Can I get information about my account by phone?
A: Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices.

Q: Is interest paid on my personal checking account?
A: Yes! If you want a checking account that pays a market rate of interest, check out our Interest Counts® Checking Account.

Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A: At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Q: Can I look at all of my transactions at any time?
A: Yes! With Online Banking and Personal Mobile Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How frequently is my information updated?
A: Your account information is updated every business day with new transactions that posted to your account the previous day.

Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

Q: How do I make a deposit to my account from a remote location?
A: Yes. If you are signed up for Personal Online and Mobile Banking, you can deposit checks to your personal account via your mobile device. You can do also utilize direct deposit, or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

Q: When do I have access to use Internet Banking?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

To learn more about how can serve all of your banking needs, please contact us at your local First Capital Bank Branch, or call us at 804.273.1250.