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  We have a checking account to suit your personal banking needs...

First Checking

The perfect 'first' account for those who want a hassle free, low cost plan with no minimum balance requirements.

  • Minimum Opening Balance: $100.00
  • No minimum balance to maintain
  • Monthly maintenance fee: $3.50
  • First 12 debits are free (includes checks, ATM, drafts or Point of Sale) each one after 12 is $.50 each and all miscellaneous fees will apply
  • Monthly statement with free check and deposit ticket images for easy record keeping
  • Visa Debit Card or ATM Card (approval required)
  • Free Internet Banking
  • Additional Benefits:  Maintain $1,000.00 balance in this account or in a related account and avoid monthly maintenance fee.
Student Checking

A simple plan for busy students

  • Student ID is required
  • Minimum Opening Balance: $100.00
  • No minimum balance to maintain, however all miscellaneous fees will apply
  • Monthly statement with free check and deposit ticket images for easy record keeping
  • Unlimited Withdrawals
  • Visa Debit Card or ATM Card (approval required)
  • Free Internet Banking
  • Monthly maintenance fee: None
Silver Checking

After years of careful planning and saving, you deserve to be treated special. This plan offers anyone 50 years old and better, an account that earns interest and has no minimum balance requirements.
  • Minimum Opening Balance: $100.00
  • Interest paid monthly on average ledger balance (see Current Rate Sheet)
  • No minimum balance to maintain, however all miscellaneous fees will apply
  • Monthly maintenance fee: $4.00
  • Unlimited check writing
  • Monthly statement with free check and deposit ticket images for easy record keeping
  • Visa Debit Card or ATM Card (approval required)
  • Free Internet Banking
Mutual Checking

This checking account has all the basics you need, plus some nice extras.

Must Score 600 on your credit report and must not have any reported accounts with ChexSystems, Inc. to qualify to open this account
  • Minimum Opening Balance: $100.00
  • Unlimited check writing
  • Monthly Maintenance Fee: None
  • Monthly Statement with free check and deposit ticket images for easy record keeping
  • Visa Debit Card or ATM Card (approval required)
  • Free Internet Banking
  • No Minimum balance to maintain, however all miscellaneous fees will apply
Capital Checking

Earning interest is always a good thing-especially when you earn it on the funds in your checking account.
  • Minimum Opening Balance: $2,500.00
  • Must maintain average ledger balance of $2,500.00 to earn interest, otherwise interest is not paid (see Current Rate Sheet)
  • Unlimited check writing with no monthly fees, however all miscellaneous fees will apply
  • First order of checks is free (First Capital Bank style)
  • Monthly Statement with free check and deposit ticket images for easy record keeping
  • Visa Debit Card or ATM Card (approval required)
  • Free Internet Banking
  • 50% Discount on Safe Deposit Box
  • Monthly Maintenance fee: None


Tiered Rate Money Market Investment Checking

First Capital Bank’s Money Market Account is the perfect account when you want to increase the earning power of your money, yet still have easy access to it. 

  • Minimum Opening Balance: $1,000.00
  • Monthly Maintenance Fee: $5.00 if balance falls below $1,000.00
  • Transaction limitations are as follows:
    • 6 Third Party Withdrawals
    • Unlimited over the counter withdrawals
    • $15.00 per third party transaction over 6 in a statement cycle
    • Account type may change due to overages
    • Tiered Interest Rates based on investment amounts
      (See Current Rate Sheet)

 
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