Checking & Savings
1st Capital Bank offers a selection of checking and savings products to meet the needs of Businesses.
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Business Checking | Business Interest Checking | Business Money Market | Business Savings | Business Premier Savings
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Business Checking
The Business Checking Account is a non-interest bearing account with a minimum opening requirement of $1,000. This checking account is available to sole-proprietorship, partnerships and corporations. It’s intended to provide you with flexibility by allowing unlimited check writing and at the same time, the lowest possible monthly service charge of $10. A fee may apply for check images of your cancelled checks. However, you can avoid the monthly service charge by maintaining an average available balance of $3,000 any day during the statement period. Of course, more information will be provided at the time of opening the account.
Business Interest Checking
The Business Interest Checking is available to sole-proprietorship, public entities and non-profit organizations to write an unlimited number of checks per month while earning interest on the daily collected balance. No interest is paid if the collected balance is below $500 on any day during the statement period. The account interest rates may vary according to the account’s daily collected balance. A service charge will be assessed if the collected available balance falls below $3,000 during the statement period. More information will be provided at the time the account is opened.
Business Money Market
Our Money Market Account allows businesses to earn interest daily on the collected balance. Six transfers are allowed during the monthly cycle, with only three of the six transfers being by check, draft, debit card, or similar order. The account would be subject to a $10 service charge if the average available balance were below $2,500 any day during the statement period. More information will be provided at the time the account is opened.
Business Savings
A Regular Savings Account pays interest on the collected balance and will allow businesses to make up to six transactions per statement cycle while earning interest on the daily collected balance. It does require a minimum of $100 for opening an account. The monthly service charge of $2 is waived if the daily collected balance is $500 or more. More account information will be disclosed at the time of opening.
Business Premier Savings
The Premier Savings Account offers tiered interest rates based on the account’s daily collected balance. Interest is calculated on a 365-day simple interest basis and compounded monthly with the interest credited at that time. More account information will be disclosed at the time of opening.
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 FDIC Deposit |