Accounts

As a fellow local business, we understand the unique needs of businesses grounded right here in our local community. That's why we strive to provide products and services that will help your business succeed in today's fast-paced world.

Simply put, our goal is to make business banking simple. We offer full-service accounts that offer flexibility to your business, backed by the high quality service you deserve!

Business Checking

  • Multiple checking accounts available to make management of funds easier; operating accounts, payroll accounts, tax accounts, etc.
  • Competitive dividends paid on entire balance
  • Available to for-profit and not-for-profit organizations
  • For-Profit Businesses - Avoid the $10 monthly service fee by maintaining a $500 average combined balance between Business Checking and Business Savings accounts
  • Not-For-Profit Businesses - Avoid the $10 monthly service fee by maintaining a $100 average combined balance between Business Checking and Business Savings accounts
  • No per-check or deposit item charges
  • Free e-services make account management easy:
  • Free online banking
  • Free mobile banking
  • Free telephone banking
  • Visa® check card
  • Access to thousands of surcharge-free ATMs nationwide

Business Savings

This straightforward savings account can help put your business in a position to take advantage of opportunities when they arise. Receive a competitive rate and access to your funds when needed.

  • Save for everyday expenses of future goals
  • Competitive dividends paid on entire balance
  • Available to for-profit and not-for-profit organizations
  • For-Profit Businesses - Avoid the $10 monthly service fee by maintaining a $500 average combined balance between Business Checking and Business Savings accounts
  • Not-For-Profit Businesses - Avoid the $10 monthly service fee by maintaining a $100 average combined balance between Business Checking and Business Savings accounts
  • Free e-services make account management easy:
  • Free online banking
  • Free mobile banking
  • Free telephone banking

Capital Money Market Account

Increase your earning potential without locking up your funds.

  • Competitive tiered rates
  • Higher balances earn higher rates
  • $1,000 minimum deposit to open
  • Six withdrawals and/or transfers allowed from your account each month otherwise a penalty is incurred
  • Avoid a monthly service fee by maintaining a $1,000 minimum balance
  • Free e-services make account management easy:
  • Free online banking
  • Free mobile banking
  • Free telephone banking

Business Share Certificates

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No set-up fees
  • $1,000 minimum deposit to open
  • Early withdrawals subject to penalty*

*The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 6 months or less - 90 days worth of dividends

Terms of longer than 6 months- 180 days worth of dividends

Step-Up Certificate*

Improve your earnings without risking any of your company's cash assets. Simply pick the term and your funds earn a fixed rate.

  • Step up your rate one time over the term
  • Helpful should the market value rise over the course of your term
  • 24-month term
  • $5,000 minimum deposit to open

*The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 6 months or less - 90 days worth of dividends

Terms of longer than 6 months - 180 days worth of dividends

Talk with an expert today

For more details about our simple Business Services, please contact one of our Business Services staff at the location most convenient to you, email us at BusinessServices@firstcapitalfcu.com, or by calling (717) 767-5551 or (800) 893-2328, TODAY!

We listen. We understand. We respond.