Deposit Services

                                                                                                      

 

Interest Counts Checking

Why BARK when you can ROAR? An interest rate that counts!

Earn up to 3X  the national average! Interest Counts Checking gives you what counts most, higher interest on higher balances.

 

Designed for

• Customers who would like to earn more interest on their checking balances, who use their debit card at least ten times per month, have one monthly auto deposit or payment & use eStatements 

Features and Benefits

• Earn 2.01% APY* on balances up to $15,000
• Earn .25% APY* on balances over $15,000
• No monthly service charge with Average Daily Balance of $1,000
• Free Online Banking with Bill Pay
• Free Online Check Images
• Free Visa ATM/Debit Card
• Nationwide ATM
• Unlimited check writing

Requirements

• Make 10 or more debit card purchases per month
• Set up 1 or more direct deposit or automatic payment per month
• Enroll in eStatements

Monthly Service Charge

• $5, if Average Daily Balance of $1,000 is not maintained 

Minimum Opening Deposit

• $500

   

  Blended APY* will range from 2.01% at $15,000 to .25% at $250,000.  Certain requirements apply. If qualifications are not met, you still earn .10% APY* on all balances.  Rates are variable. Annual Percentage Yields (APY) are effective 5/1/2012. A monthly maintenance fee of $5 is assessed if Average Daily Balance of $1,000 is not maintained. Fees could reduce earnings on account..

  *APY = Annual Percentage Yield 

 

CashBack Counts Checking

A checking account that pays cash back on every qualifying check/debit card purchase

Designed for

• Customers who would like to earn cash back on their checking account balances, who use their debit card at least ten times per month, have one monthly auto deposit or payment & use eStatements 

Features and Benefits

• Earn .05 to .10 back on every qualifying check/debit card purchase 
• No minimum monthly balance requirement
• Free Online Banking with BillPay
• Free Online Check Images
• Free Visa ATM/Debit Card
• Unlimited check writing

Requirements

• Make 10 or more debit card purchases per month
• Set up 1 or more direct deposit or automatic payment per month
• Enroll in eStatements
• If you do not meet these requirements, there is no charge, nor cash back for that month

Monthly Service Charge

• None 

Minimum Opening Deposit

• $25

   

Free Checking

Designed for

• Customers who would like a checking account with no monthly service charge

Features and Benefits

• No monthly service charge
• No minimum balance requirement
• Free Internet Banking with Bill Pay
• Free Online Check Images
• Free Visa ATM/Debit Card
• Unlimited check writing

Requirements to Waive Monthly Service Charge

• None

Monthly Service Charge

• None

Minimum Opening Deposit

• $25

Statement Savings

Designed for

• Customers who would like a traditional savings account

Features and Benefits

• No minimum balance requirement
• 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

Monthly Service Charge

• No monthly service charge if minimum balance is kept; otherwise $3 per month
• $1 charge per withdrawal in excess of four

Minimum Opening Deposit

• $200

Junior Savings

Designed for

• Customers under eighteen years of age who would like a traditional savings account and whose parent banks with First Capital Bank

Features and Benefits

• No minimum balance requirement
• Competitive rates of interest
• Free Internet Banking
• Four free withdrawals monthly

Requirements to Waive Monthly Service Charge

• No minimum balance requirement

Monthly Service Charge

• No monthly service charge
• $1 charge for monthly withdrawals in excess of four.

Minimum Opening Deposit

• No minimum

Money Market Savings

Designed for

• Customers who would like a convenient savings account with competitive interest rates, immediate access to their funds and check writing capability

Features and Benefits

• Competitive rates of interest
• Interest rate balance tiers:
  • $1,000 - $9,999
  • $10,000 - $19,999
  • $20,000 & up
• 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

Requirements to Waive Monthly Service Charge

• $1,000 minimum average daily balance

Monthly Service Charge

• No monthly maintenance fee 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 charge of $5 for each withdrawal in excess of six.

Minimum Opening Deposit

• $1,000

 

Capital Performance Money Market

Designed for

• Customers who keep $10,000 or more in money market savings balances. This account is for customers with higher personal balances who desire more competitive interest rates, immediate access to funds and limited check writing capability

Features and Benefits

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

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

Other Limitations 

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

Certificates of Deposit

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 will be 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

ATM/Debit Cards

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

Features and Benefits

• 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. Click here for more info or  here for a brief demo

Limitations for Your Protection

• Cash withdrawals limited to $300 per day
• Point of Sale transactions limited to $1,000 per day
• Other restrictions may apply

Please contact your local First Capital Bank branch for applications.
Additional restrictions may apply.