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We Suit The Size and Style Of Your Business
With our customized commercial services, First Capital Bank is available to help your company manage its day-to-day cash flow. Your First Capital Bank banker will work with you to make the selection of cash management services best suited to the size and style of your business.
Edge Commercial Checking
- Courier Services
- Free monthly imaged statements
- Free Online banking
- Free Employer sponsored 529 Program
- Discounted payroll services through Dominion Payroll Services
- Discounts on Office Supplies through The Supply Room Company
- Free Visa Business debit card
- Free Financial Check-up
- 1/4% Increase on Stated CD rates
- 1/4% Decrease on Stated Consumer Loans
- Free Brokerage account
- Discount Brokerage Services
Capital Reserve Account
- The Capital Reserve rate is set at the targeted Fed Funds rate minus .25%
- A minimum balance of $100,000.00 is required
- The minimum rate is 1% and there is no maximum rate
- Withdrawals are limited to six per month, of which, only three can be checks
- If the balance drops below $100,000.00 the rate drops to the targeted Fed Funds rate minus 3%
Small Business Checking
- Maintain monthly average daily balance of $2,500.00
- Detailed monthly statement
- Overdraft protection available
- Minimum opening deposit of $200.00
- Maximum of 300 checks per month
- Free Visa debit card
- Courier services
- A monthly maintenance fee of $10.00 is assessed on accounts which do not maintain daily balance requirements
Business Online Banking/Billpay
- Review account information
- Set up automatic email alerts
- Move funds between accounts
- Initiate wire transfers
- Concentrate and disburse funds via ACH
- Originate payroll via ACH
- Place stop payments
- Pay bills over the internet
- Export a file of your transaction to Quicken or a comma-delimited file format
- Provide different functionality to different staff members and control the accounts and services they may access
- Request customer service or keep-up-to-date with what's new via email
Business Savings
- Competitive interest rates.
- Maintain $200 average daily balance.*
- Detailed monthly statement.
- Minimum opening deposit of $200.
Business Money Market
- Tiered interest levels.
- Maintain $1,000 minimum daily balance.*
- 6 withdrawals monthly (3 can be checks).**
Business Loans
- Business Credit Cards
- Equipment Loans
- Vehicle Loans
- Commerical Real Estate Loans
- Operating Lines of Credit
Ask about our free courier pick-up for non-cash deposits.
Ask about our Online Banking capabilities.
Ask about our "SWEEP" accounts and related Cash Management Services
*A monthly maintenance fee is assessed on accounts which do not maintain daily balance requirements. See current fee schedule for details.
**A per item fee is charged for exceeding withdrawal limits. See current fee schedule for details.
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