Florida Capital Bank serves as a community-focused financial partner across the state, offering personalized service and modern digital tools. The bank emphasizes transparent pricing, local decision-making, and responsive support for both individuals and small businesses.
Its presence spans multiple regions, combining traditional branch convenience with streamlined online and mobile banking. Customers rely on Florida Capital Bank for checking and savings accounts, credit products, and tailored lending solutions.
Key Services and Features at a Glance
| Product | Key Feature | Typical Fee | Best For |
|---|---|---|---|
| Personal Checking | No monthly fee with direct deposit | $0 monthly maintenance | Everyday account management |
| Business Checking | Cash management andACH transfers | $15 monthly | Small business cash flow |
| Home Mortgage | Local underwriting and rate lock | Varies by loan | First-time and refinance buyers |
| Savings Account | Competitive APY with tiered rates | $0 to $5 based on balance | Short and long-term growth |
| Credit Cards | Rewards program and low intro APR | Annual fee $0 first year | Everyday purchases and travel |
Personal Banking Solutions
Checking and Savings Accounts
Florida Capital Bank offers multiple checking options designed to reduce fees and simplify everyday banking. Savings accounts feature competitive APY and easy transfers to support both emergency funds and planned goals.
Digital Banking Tools
The bank’s mobile app and web portal provide balance alerts, mobile check deposit, and budgeting insights. Card controls and instant transaction notifications help users manage risk and stay informed.
Business Banking and Lending
Commercial Account Services
Business clients can access dedicated relationship managers, payroll services, and integrated payment processing. These tools are tailored to streamline operations for local businesses.
SBA and Term Loans
Florida Capital Bank provides SBA 7(a) and CDC/504 programs alongside term loans for growth and equipment. Local underwriting aims to deliver faster decisions aligned with regional economic needs.
Mortgage and Real Estate Finance
Home Purchase Programs
The bank offers fixed and adjustable-rate mortgages with down payment assistance options in targeted neighborhoods. Dedicated loan officers guide buyers through pre-approval and closing steps.
Refinance and Investment Property Loans
Refinance products focus on lowering monthly payments or shortening terms, while investment property loans emphasize cash-flow analysis. Local market expertise supports informed decisions.
Banking with Florida Capital Bank
- Transparent pricing with clear monthly statements and online fee calculators
- Local branch access combined with robust digital and mobile banking
- Personalized service for mortgages, small business loans, and everyday banking
- Community investment initiatives and regional economic support
- Competitive savings rates and credit card rewards tailored to residents
FAQ
Reader questions
How do I open a personal checking account with Florida Capital Bank?
You can open an account online or at a branch with valid ID, proof of address, and an initial deposit. Digital onboarding allows you to start banking immediately once approved.
What documentation is needed for a business loan application?
Typical requirements include personal and business financial statements, tax returns for the past two years, and a brief explanation of fund use. The relationship manager can provide a precise checklist.
Are there fees associated with mobile check deposit and bill pay?
No, mobile check deposit and bill pay are included with personal and business accounts at no additional monthly fee, subject to standard terms and security policies.
How does Florida Capital Bank support local community development?
The bank partners with neighborhood organizations, participates in municipal bond financings, and offers small business advisory services to foster local employment and growth.