First Capital Bancshares Inc. (FCPB)

Overview

First Capital Bancshares, Inc. operates as a holding company for First Capital Bank, focusing on delivering comprehensive commercial banking services. This financial institution has transitioned from its former identity, First Federal Bancshares Corporation, to its current designation, signaling a broadened scope of operations since its establishment in 1997. Headquartered in Charleston, South Carolina, First Capital Bancshares has embedded itself in the fabric of its service areas, offering an array of banking solutions tailored to meet the diverse needs of its clientele.

Products and Services

Banking Accounts and Products: First Capital Bank offers a variety of accounts to meet the needs of individuals and businesses. This includes checking and savings accounts, designed for everyday banking; business accounts for commercial clients; individual retirement accounts for long-term savers; and certificates of deposit and money market accounts for those seeking higher interest rates. The bank also caters to the needs of students through dedicated student accounts, alongside offering noninterest-bearing demand deposits.

Loan Services: The bank’s loan portfolio is comprehensive, catering to both personal and commercial requirements. This encompasses vehicle and boat loans, RV loans, and loans for other personal needs like construction and home improvement. For those looking to manage their finances more effectively, deposit secured loans and overdraft protection for checking accounts are available. Homeowners have access to home equity revolving lines of credit and home equity loans. On the commercial front, First Capital Bank provides real estate loans, lines of credit, equipment loans, and agricultural loans, supporting businesses across various sectors.

Banking Convenience Services: Enhancing the banking experience, First Capital Bank offers ATM and Visa check cards, safe deposit boxes, and both credit and debit card services. For those who prefer digital banking, direct deposit, online and mobile banking, and bill payment services facilitate seamless financial management. Additionally, the bank provides an after-hours night depositary service, catering to the needs of businesses and individuals alike.