1st Capital Bank Personal Checking Account

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

Starting at $10(Verified 01/21/2026)

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1st Capital Bank Personal Checking Account Review

The 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 is available in 1 state.

Key Takeaways

$100 minimum opening deposit. This is a typical minimum initial deposit.
No ATM fees. 1st Capital Bank Personal Checking Account does not charge fees on ATM transactions .
ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).

1st Capital Bank personal checking Pros & Cons

Pros

Cons

Access to physical branches.
Debit card

No signup bonus.
Does not earn interest.
Does not provide access to a nationwide ATM network.
Only available in one state.
Monthly service charge .

1st Capital Bank personal checking FAQ

Are checking accounts from 1st Capital Bank federally insured?

Yes, your deposits are insured 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 offer?

1st Capital Bank personal checking is not an interest-bearing account.

What are the account minimums for 1st Capital Bank personal checking?

1st Capital Bank personal checking requires a minimum initial deposit of $100.

1st Capital Bank Personal Checking Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $1,000

Minimum Opening Deposit

Starting at $100

What fees does 1st Capital Bank personal checking charge?

1st Capital Bank Personal Checking Account Fees

Description

Monthly Service Fee

Starting at $10

ATM Fee: In-Network

Starting at $0

Online Bill Pay Fee

Starting at $0

What features and perks does 1st Capital Bank personal checking offer?

This account includes the following features:

ATM rebates - This account will reimburse you for domestic ATM fees .
Mobile Banking Services - 1st Capital Bank personal checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.

What is the customer support email for 1st Capital Bank personal checking?

The customer support email for 1st Capital Bank personal checking is info@1stcapitalbank.com.

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Message from 1st Capital Bank personal checking

At 1st Capital Bank, we offer a variety of checking account options designed to fit a wide range of banking needs. Whether you prefer to write checks or conveniently manage your accounts online, we have solutions to suit your banking needs. Get started today by speaking with a Client Services Representative at your nearest 1st Capital Bank branch.

Contact

Headquarters

150 Main Street, Salinas, California.

Salinas, CA 93901

1st Capital Bank Personal Interest Checking Account

Email Support

Hours of Operation

Sunday

12:00AM - 12:00AM

Monday

8:00AM - 5:00AM

Tuesday

8:00AM - 5:00AM

Wednesday

8:00AM - 5:00AM

Thursday

8:00AM - 5:00AM

Friday

8:00AM - 5:00AM

Saturday

12:00AM - 12:00AM

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APY (Annual Percentage Yield)

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Bonus Offer

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APY (Annual Percentage Yield)

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