f i r s t c i t y c a p f i n a n c e

Faqs

Faqs

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Wide range of topics to address common queries.

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  • 01How do I open a new account?

    You can open a new account online by clicking the "Register" button on our homepage. You will need to provide a government-issued ID, proof of address, and complete our brief online application form. Alternatively, you can visit any of our branch locations.

  • 02How can I check my account balance?

    You can check your balance 24/7 by logging into our secure online banking portal or mobile app. You can also view your balance at any of our ATMs or by calling our automated telephone banking service.

  • 03Is online banking secure?

    Yes, we use industry-standard multi-factor authentication, end-to-end 256-bit encryption, and continuous monitoring systems to protect your financial and personal data from unauthorized access.

  • 04What is the daily ATM withdrawal limit?

    The standard daily ATM withdrawal limit for personal checking accounts is $1,000. If you require a temporary or permanent increase to this limit, please contact our customer support team or visit a local branch.

  • 05How do I apply for a loan?

    You can apply for a personal, home, or auto loan directly through your online banking dashboard. Simply navigate to the "Loans" section, select your preferred loan type, and fill out the secure application form.

  • 06What should I do if I lose my debit or credit card?

    If your card is lost or stolen, please log into the mobile app or online banking immediately to temporarily freeze your card. You can also contact our 24/7 customer care line at support@firstcitycapfinance.org to report it lost and request a replacement.

  • 07Are there any monthly maintenance fees on checking accounts?

    We offer basic checking accounts with no monthly maintenance fees when you set up a direct deposit of $500 or more per month, or maintain a minimum daily balance of $1,500.

  • 08How do I set up direct deposits?

    To set up a direct deposit, download the Direct Deposit Authorization form from our portal, fill in your account number and our routing number, and submit it to your employer's payroll or HR department.