Personal Banking Made
Simple, Convenient and Fair

Accounts that Bring More Value

For starters, with every Fourth Capital checking account, you’ll enjoy no maintenance fees, a complimentary Fourth Capital Visa® debit card (printed instantly in our branch), and free use of any ATM in the country.

Traditional Checking

A simple checking account to help you manage your daily finances.

Contact a banker

  • Overview
    • $100 opening deposit
    • No minimum balance requirement
    • Non interest-bearing
  • Features
    • No monthly maintenance fee
    • Use any ATM in the US for free
    • Free instant issue Visa® debit card with Apple Pay, Samsung Pay, Google Pay
    • Seamless banking through your phone, tablet, or desktop
    • Free Bill Pay
    • Free e-statements
    • Unlimited check writing privileges
  • Additional Details
    • $3.00 charge for paper statements
    • Additional charge for order of checks

Elite Checking

Your first order of checks is on us with this interest-bearing account.

Contact a banker

  • Overview
    • $100 Opening deposit
    • $1,000 Minimum balance to earn interest
    • Tiered interest rates
    • First order of checks are free
  • Features
    • No monthly maintenance fee
    • Use any ATM in the US for free
    • Free instant issue Visa® debit card with Apple Pay, Samsung Pay, Google Pay
    • Seamless banking through your phone, tablet, or desktop
    • Free Bill Pay
    • Free e-statements
    • Unlimited check writing privileges
  • Additional Details
    • Must meet $1,000 minimum balance requirement to start earning interest

Traditional Savings

Get started saving with a low minimum balance.

Contact a banker

  • Overview
    • $100 opening deposit
    • No minimum balance requirements
    • Interest-bearing
  • Features
    • No monthly maintenance fees
    • Seamless banking through your phone, tablet, or desktop
    • Free e-statements
    • Competitive interest rates
  • Additional Details
    • Transaction limits will apply if made by ACH, automatic transfer or phone
    • $3.00 charge for paper statements
    • Unlimited transfers and withdrawals made in person or by mail

Platinum Money Market

Take advantage of market-competitive rates at multiple balance tiers.

Contact a banker

  • Overview
    • No opening deposit
    • No minimum balance requirements
    • Tiered interest rates
  • Features
    • No monthly maintenance fees
    • Seamless banking through your phone, tablet, or desktop
    • Free e-statements
    • Competitive interest rates
  • Additional Details
    • Transaction limits will apply if made by ACH, automatic transfer or phone
    • $3.00 charge for paper statements
    • Unlimited transfers and withdrawals made in person or by mail

Health Savings Accounts

Set Aside Money for Healthcare Expenses

A Health Savings Account (HSA) is an account established exclusively for paying qualified medical expenses. The funds you put into it aren’t taxed; the interest you accrue isn’t either. You can save more for medical expenses, then pay for them using a special HSA Debit Card.

Additional Details
  • Contribution limits may apply
  • Tax-favored account – consult your tax advisor
  • Additional fees may apply

Personal CDs and IRAs

Low-risk Savings
Solutions

No matter what your savings goals, our personal Certificate of Deposit (CD) and Individual Retirement Accounts (IRAs) provide you with a variety of ways to help you achieve them faster. Individual Retirement Accounts are tax-advantaged and allow clients to contribute a portion of their earned income to build a secure future. With flexible terms from 30 days to five years, CDs are a low-risk savings solution for guaranteed returns.

Reach out to your banker to learn more.

Loans & Lines of Credit

Are You Ready to
Take the Next Step?

Whether it’s a request for a term loan for personal use or maintaining a line of credit, we have you covered. With our personal approach to service, here you don’t just get a loan; you build a banking relationship that grows right along with you.

Our personal lending options include:

  • Personal loans
  • Personal revolving lines of credit
  • Loan or line or credit secured by marketable securities
  • CD secured loans

*All loans subject to Fourth Capital credit approval.

Reach out to your banker to learn more.

 

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Visa® Debit Card

Simplify daily purchases with a Fourth Capital Visa® debit card. Enjoy chip security, access to cash at any ATM in the country for free, and more. We can even print your card instantly when you open a checking account with us.

Visa® and American Express® Credit Cards

We offer a wide variety of personal credit cards for you to choose from based on your lifestyle, your needs and your financial goals. So whether you’re looking for low interest rates, cash-back rewards or premium perks, we’ve got the perfect card for you.

*See card application disclosure for complete terms and conditions.

Take a look at our credit card offerings.

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