Fourth Capital is Now a Division of Volunteer State Bank

As of July 1, 2024, Fourth Capital and Volunteer State Bank have legally merged. Our team at Fourth Capital is excited to join this extraordinary community bank and continue serving as a financial partner and resource for our customers and communities.

Fourth Capital will operate as, ‘Fourth Capital, A Division of Volunteer State Bank’, maintaining independent operations and branding until system conversion, expected in 2025.

Read our press release announcement. 

Download frequently asked questions.

What does this mean for you?

For now, you will continue business as usual. Fourth Capital Bank and its branches will maintain normal, independent operations, while we work to integrate systems and operations into Volunteer State Bank. Today and in the future, you can expect the same outstanding service and support from the same friendly faces. Once the system conversion is complete, this integration will provide you with enhanced resources and services.

What happens next?

Prior to system conversion, you will receive a detailed conversion guide in the mail, so you will know exactly what to expect. This guide will include details about bank accounts and features, information about the conversion process, important dates, and answers to frequently asked questions. Any changes will be communicated well in advance, and we’ll provide step-by-step guidance to make the transition as seamless as possible.

Frequently Asked Questions

Q. Who is Volunteer State Bank?
A: Volunteer State Bank is privately owned, regional community bank currently operating 14 branch locations in six Middle Tennessee counties. Volunteer State Bank offers a variety of deposit, lending, and mortgage products to consumer and business clients. The bank has been named a Top Workplace in Middle Tennessee by The Tennessean and ‘Best Bank’ by community choice awards in Rutherford and Sumner counties.

Q: Will the bank change names?
A: Fourth Capital Bank will operate as, ‘Fourth Capital, a Division of Volunteer State Bank’. However, Fourth Capital won’t integrate into Volunteer State Bank systems and branding until system conversion, expected in 2025.

Q: What is a bank system conversion?
A: A bank system conversion is the final step of the merger process. It brings together both banks’ operating systems to ensure a consistent client experience, with the same products, services, and conveniences.

Q: When can I start using Volunteer State Bank branches?
A: After the 2025 system conversion is complete, you will have access to transact at all Volunteer State Bank branch locations.

Q: Should I continue using my current checks, debit cards, online banking, etc.?
A: Yes. You’ll continue to conduct business as usual until the system conversion.

Q: Will my routing number or account number change?
A: Your account number(s) and the bank’s routing number will remain the same at this time. If this changes in the future, we will notify you well in advance to ensure a seamless transition.

Q: What happens to my FDIC insurance if I have deposits at both Fourth Capital and Volunteer State Bank?
A: Deposit accounts opened at Fourth Capital Bank prior to July 1, 2024, will be separately insured from deposits at Volunteer State Bank until January 1, 2025.  This six-month grace period allows you the opportunity to restructure your accounts if necessary. Deposits accounts opened at Fourth Capital Bank on or after July 1, 2024, may not be separately insured.

Certificates of Deposit (CDs) at Fourth Capital Bank dated prior to July 1, 2024, are separately insured until the earliest maturity date after January 1, 2025. CDs that mature between July 1, 2024, and January 1, 2025 and are renewed for the same term and in the same dollar amount will continue to be separately insured until the first maturity date after January 1, 2025.  If a CD matures on any other basis or is not renewed or becomes a regular savings or demand account, it will only be separately insured until January 1, 2025.

For more information on FDIC insurance and to calculate ways to maximize your coverage per insured institution, contact us at (615) 298-8000 or visit

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