Accounts & Fees

First Capital Bank of Kentucky offers a variety of flexible business and corporate accounts. Please contact us today for assistance establishing or maintaining your business accounts.

BUSINESS MONEY MARKET
  A business savings account with easy access.
  • A $1000.00 average daily balance is required to earn interest and avoid a monthly service charge
  • Six (6) withdrawals or transfers per month (of which three [3] may be by check)
  • A $5.00 per item fee will apply for excessive withdrawals
  • Interest rate based on monthly tiered balance

CORPORATE SWEEP ACCOUNT
  A Repurchase agreement where funds over established target balance are collateralized and swept daily.
  • Minimum target is $10,000.00
  • Monthly sweep fee is $50.00
  • Target balance funds are kept in a non-interest bearing checking account

ENTERPRISE CHECKING
  Small business checking for businesses with minimal checking activity.
  • First 100 items FREE (includes cleared checks, checks within a deposit and all ACH items)
  • $8 monthly service charge on accounts below $500 average daily balance
  • 25¢ fee per item after first 100

MANAGED CHECKING
Earn a competitive Earnings Credit Rate on commercial deposit balances.
  • No analysis fee charged if earnings credit is greater than activity charges (otherwise difference is debited to the account)
  • Earnings credit(s) offset activity charges during statement cycle
CASH CONCENTRATION
First Capital Bank has the ability to transfer monies from other institutions to your First Capital Bank checking account on a regular basis via the Automated Clearing House (ACH).