Digital Banking Disclosures

Consumer Online Banking Service Agreement

This Agreement between you and Fourth Capital (“Fourth Capital”) governs the use of Fourth Capital’s Online Banking Services (including Mobile Banking). These services permit Fourth Capital consumer customers to perform a number of banking functions on accounts linked to the service through the use of a personal computer or mobile device. Please read this Agreement carefully and note that different provisions will apply based on whether you are using our Online Services to access personal or business accounts. By enrolling electronically or otherwise, and by using any of the Online Services, you agree to be bound by the terms and conditions of this Agreement. This Agreement also contains important information regarding what you should do if you believe that an unauthorized person has gained access to your accounts, or an error has occurred. Keep this Agreement for future reference. Except as stated below this Agreement is governed by the laws and regulations of the State of Tennessee and the United States, as amended from time to time. When you use any of the Online Banking Services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the Agreement that apply to you.

Click here to view the full agreement.

Funds Availability Disclosure

YOUR ABILITY TO WITHDRAW FUNDS AT FOURTH CAPITAL. Our policy is to make funds from your cash and check deposits available to you on the same business day we receive your deposit. Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 5:00pm Monday through Friday on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00pm Monday through Friday or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Click here to view the full disclosure.

Electronic Fund Transfers

The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. Options following a checkbox only apply if checked. You should keep this notice for future reference

Click here to view the full list of rights and responsibilities.

Consumer Fee Schedule

Click here to view Fourth Capital’s consumer fee schedule.

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