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.

Principal

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

Contact a banker

  • Overview
    • $100 opening deposit
    • No minimum balance requirement
    • No monthly service fee
    • Non interest-bearing
  • Features
    • 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
  • Additional Details
    • Additional fees may apply

Parthenon

Our premier checking account for those looking to earn interest.

Contact a banker

  • Overview
    • $100 Opening deposit
    • No monthly service fee
    • Tiered interest rates
    • First order of checks is free (160)
  • Features
    • 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 maintain $1,000 minimum balance each day to earn interest

Preserve

Get started saving with a low opening deposit.

Contact a banker

  • Overview
    • $100 opening deposit
    • All balances earn interest; paid monthly
    • No monthly service fee
    • Interest-bearing
  • Features
    • Seamless banking through your phone, tablet, or desktop
    • Free e-statements
    • Competitive interest rates
  • Additional Details
    • Up to 6 transfers or withdrawals permitted each monthly statement cycle

Generation

Take advantage of market-competitive rates at multiple balance tiers with our money market account.

Contact a banker

  • Overview
    • No opening deposit requirement
    • No minimum balance requirements
    • No monthly service fee
    • All balances earn interest; paid monthly
    • Tiered interest rates
  • Features
    • 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
  • Additional Details
    • Up to 6 transfers permitted each monthly statement cycle

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.

 

Put This One On
My Card

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.

Personal Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you’ll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing 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.
  • Plus much more!

Take a look at 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.

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