Grow With a Bank Right-
Sized for Your Business

Business Accounts

Our business customers enjoy perks that will help maximize assets, such as access to cash at any ATM in the country with no fees, unlimited check writing privileges, and the ability to track finances online and pay bills from anywhere in the world.

Capital

A simple and streamlined checking account for a new small business with limited activity.

Contact a banker

  • Overview
    • $100 opening deposit
    • No monthly service fee
    • No minimum balance requirement
    • Non-interest bearing
    • 150 free transactions per month
  • Features
    • Free e-statements
    • Free instant issue Visa® Business debit card with Apple Pay, Samsung Pay, Google Pay
    • Seamless banking through your phone, tablet, or desktop with Bill Pay and Mobile Deposit
    • Treasury Management services available upon request
    • Access to event and meeting space upon availability
  • Additional Details
    • Visa® Business Credit card available for those qualified
    • ACH debits/credits received are excluded from the 150 transaction count

Forge

All balances earn interest with this flexible business checking account.

Contact a banker

  • Overview
    • $100 opening deposit
    • $15 monthly service fee*
    • All balances earn interest
    • Tiered rates
    • 150 free transactions per month
  • Features
    • Free e-statements
    • Free instant issue Visa® Business debit card with Apple Pay, Samsung Pay, Google Pay
    • Seamless banking through your phone, tablet, or desktop with Bill Pay and Mobile Deposit
    • Treasury Management services available upon request
    • Access to event and meeting space upon availability
  • Additional Details
    • *Monthly service fee waived if minimum balance of $1,000 is maintained
    • Visa® Business Credit card available for those qualified
    • ACH debits/credits received are excluded from the 150 transaction count

Refine

No two businesses are alike. Let’s create a solution with fair pricing based on your needs.

Contact a banker

  • Overview
    • $100 opening deposit
    • Customized analysis to tailor your banking activity
    • Earnings credit applied to balances in account analysis
  • Features
    • Free e-statements
    • Free instant issue Visa® Business debit card with Apple Pay, Samsung Pay, Google Pay
    • Seamless banking through your phone, tablet, or desktop with Bill Pay and Mobile Deposit
    • Access to event and meeting space upon availability
  • Additional Details
    • Contact Treasury Management Officer for pricing and additional benefits

Watershed

Money market account ideal for those with limited transactions to earn interest on idle business funds.

Contact a banker

  • Overview
    • $0 opening deposit
    • No monthly service fee
    • Tiered interest rate
    • All balances earn interest
  • Features
    • Free e-statements
    • Seamless banking through your phone, tablet, or desktop with Bill Pay and Mobile Deposit
    • Access to event and meeting space upon availability
  • Additional Details
    • Unlimited deposits (up to 6 withdrawals per monthly statement cycle)
    • Additional fees may apply

Digital Banking

Online Anywhere,
Anytime

As a business owner or CFO, you need real-time access to your financial accounts. Whether you run a small business or a big company, our online banking packages deliver secure, scalable digital solutions for managing your finances anytime, anywhere.

Business online banking provides essential tools for monitoring daily balances and transactional details, with the ability to add on a number of treasury management services as your needs change.

Take a self-guided tour of our Business Online Banking or download our Mobile App.

A Card to Help You Get There

Visa® Business Debit Card

More convenient than cash and easier to track your expenditures. Benefits include fast, safe checkout with Apple Pay, Google Pay or Samsung Pay, easy recurring payments, chip security and card controls for an added layer of protection.

Visa® Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

See our credit card offerings.

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

 

Loans & Lines of Credit

Are You Ready to Take the Next Step?

Your business is an important part of our community, and we’re here to help you thrive. Whether you need working capital, funding for equipment, financing for commercial real estate or something more, we have a solution that’s right for you.

  • Working Capital
  • Equipment Financing
  • Commercial Real Estate
  • Lines of Credit
  • Facility Financing
  • Expansion Financing

Reach out to your Fourth Capital Banker for more information.

Smart Treasury Solutions and Expert Advice for Your Day-to-Day Banking Needs


  • Payables

  • Receivables

  • Cash Positioning

  • Fraud Management

Take control of your finances with treasury management services from Fourth Capital. We know every business is unique. That’s why we get to know you in a way most banks don’t. Our team will partner with you to implement secure, scalable solutions designed to optimize your working capital and better manage your cash flow.

Contact our Treasury Management team to talk through a custom solution.

  • Wire Transfers (with online wire initiation)
  • Automatic Clearing House (ACH)
  • Merchant Card Services
  • Automatic Funds Transfer
  • Zero Balance Sweep
  • Automated Sweep
  • Positive Pay

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