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1st Capital Bank Personal Checking Account

in Checking Accounts from 1st Capital Bank · Member fdic

Unaffiliated

1st Capital Bank Personal Checking Account

Unaffiliated

in Checking Accounts from 1st Capital Bank · Member FDIC

Not enough votes for recommendation

Highlights
Monthly Fee	Starting at $10
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	$1,000
APY (Annual Percentage Yield)	N/A

1st Capital Bank Personal Checking Account Review

1st Capital Bank Personal Checking Account is offered by 1st Capital Bank, a bank founded in 2007 and based in Salinas, CA. 1st Capital Bank Personal Checking Account is available in 1 state across the USA.

Key Takeaways

$100 minimum deposit. This account requires a higher minimum initial deposit than most of the checking accounts we track.
No minimum initial deposit. There is no minimum balance required to open an account.
No ATM fees. 1st Capital Bank Personal Checking Account does not charge fees on ATM transactions.
ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
Hard credit pull. 1st Capital Bank may require a hard pull on your credit report to open a checking account.

1st Capital Bank Personal Checking Account Pros & Cons

Pros	Cons
Access to physical branches. Free debit card No charge on incoming domestic or international wire transfers.	No signup bonus. Does not earn interest. Only available in one state.

1st Capital Bank Personal Checking Account FAQ

Are checking accounts from 1st Capital Bank federally insured?

Yes, your 1st Capital Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #58485). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does 1st Capital Bank Personal Checking Account offer?

1st Capital Bank Personal Checking Account is not an interest bearing account.

What are the account minimums for 1st Capital Bank Personal Checking Account?

1st Capital Bank Personal Checking Account requires a minimum initial deposit of $100 to open an account.

1st Capital Bank Personal Checking Account Account Minimums
Description	Amount
Minimum Initial Deposit	$100
Minimum Balance to Avoid Monthly Fee	$1,000

What fees does 1st Capital Bank Personal Checking Account charge?

1st Capital Bank Personal Checking Account Fees
Description
Monthly Fee	Starting at $10
Paper Statement Fee	N/A
ATM Fee: In-Network	N/A
ATM Fee: Out-of-Network	N/A
NSF Fee	N/A
Overdraft Protection Fee (per transfer)	N/A
Overdraft Item Fee	N/A
Early Account Closure	N/A
Returned Deposit Fee (Domestic)	N/A
Debit Card Replacement Fee	N/A
Bank Teller Fee	N/A
Check Cashing Fee	N/A
Online Bill Pay Fee	$0
Stop Payment Fee	N/A
Check Image Service	N/A
Check Copy	N/A
Foreign Transaction Fee (Debit Card)	N/A
Wire Transfer Fee - Domestic (Outgoing)	N/A
Wire Transfer Fee - International (Outgoing)	N/A
Wire Transfer Fee - International (Incoming)	N/A
Returned Deposit Fee (International)	N/A
Wire Transfer Fee - Domestic (Incoming)	N/A
ATM Reimbursement Monthly Limit	N/A

What features and perks does 1st Capital Bank Personal Checking Account offer?

This account includes the following features:

ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
Mobile Banking Services - 1st Capital Bank Personal Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.