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  1st Capital Bank Personal Checking Account

1st Capital Bank Personal Checking Account

in Checking Accounts from 1st Capital Bank · fdic

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1st Capital Bank Personal Checking Account

Unaffiliated

in Checking Accounts from 1st Capital Bank · Member FDIC

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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 is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • 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 ATM fees (see terms and conditions for details).
1st Capital Bank personal checking 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.
  • No ATM access to 1st Capital Bank Personal Checking Account.
  • Only available in one state.
1st Capital Bank personal checking 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 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 to open an account.

1st Capital Bank personal checking Account Minimums
Description Amount
Minimum Opening Deposit $100
Minimum Balance to Avoid Monthly Service Fee $1,000

What fees does 1st Capital Bank personal checking charge?

1st Capital Bank Personal Checking Account Fees
Description
Monthly Fee Starting at $10
Online Bill Pay Fee $0

Does 1st Capital Bank personal checking charge overdraft fees?

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

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any 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 checks in your account with a mobile app on your smartphone.
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Contact

Hours of Operation

  • Sunday Closed
  • 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 Closed

Other Services by 1st Capital Bank

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Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee $1,000
Online Bill Pay Fee $0
Monthly Fee Starting at $10
Account Features
  • No ATM Fees
  • Member FDIC
  • Check Writing
  • Branch Access
  • Debit Card
  • Mobile Banking
  • ATM Reimbursement
  • Mobile Check Deposit

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