ATM/Debit Services

Enjoy the benefits of accessing your checking or savings account 24 hours a day, seven days a week with the First Capital Bank Check card.

  • Card may be used for purchases anywhere Visa® is accepted
  • Card may be used for cash withdrawals at ATM machines
  • No charge for withdrawals at First Capital Bank ATM machines
  • The card acts the same as a check, not as a credit card
  • Purchases will be detailed on monthly account statement
  • Allows you to check balances of checking or savings accounts at ATM machines
  • Allows for transfer of funds between linked checking and savings accounts
  • FREE access to First Capital Bank Purchase Rewards

Purchase Rewards with your First Capital Bank ATM/Debit Card

  • Register (top left of this page) for First Capital Bank Personal Online Banking
  • Login to your First Capital Bank Online Banking accounts
  • Click to activate exclusive cash back offers at the types of places you like to shop
  • Shop online or in stores to redeem your offers by paying with your card
  • Enjoy cash back - deposited right into your First Capital Bank account at the end of the next month

Lost or Stolen Card - Steps for Immediate Account Protection

At First Capital Bank, we use the industry leading service EnFact, to monitor and protect you from fraud. Should your debit card be used in a manner that is not consistent with your typical behavior, you may get a call from an EnFact team member to ensure a charge is correct.

If you suspect a fraudulent transaction, or if your card is lost or stolen:

  • During business hours, please contact one of our branches, or 804-273-1250
  • Or call 1.800.472.3272 (24 hours/7 days a week)

Travel Out of the United States

If you plan to use your debit card when travelling outside of the United States, please call us prior to travel at 804.273.1250 (M-F, 8 am - 5 pm)


To apply for a First Capital ATM/Debit Card, please contact us at your local First Capital Bank Branch, or call us at 804.273.1250.
Additional restrictions may apply.