First Capital Federal Credit Union

#224898

At First Capital Federal Credit Union, the financial well-being of our members and dedication to our community come FIRST.

First Capital Federal Credit Union | Personal & Business Finance

Get competitive accounts, low loan rates, and convenient products and services, many at no cost. Earn rewards, enjoy personalized service, and access flexible loan programs, including vehicle, home equity, consolidation, credit builder, personal, and student loans. You may qualify if you are:<ul><li>Associated with a Preferred Business Partner</li><li>An immediate family member of a current member</li><li>A roommate or someone living with a current member</li><li>A member of the FirstCap Gives Back Foundation <a target="_blank" rel="noopener noreferrer" href="https://firstcapgivesback.com/">(more info)</a></li></ul>Open your account with just $5 and a $1 join fee. Sign up in less than 5 mins.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Terms and Conditions

Let's get started!

Please enter the six-digit code that was sent to your email address.

Check Your Email for a Private Verification Code.

Apply for Membership with First Capital FCU!

By checking this box you agree to our <a href="https://www.firstcapitalfcu.com/privacy-policy.html" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

Check if you would like to add a mailing address.

This information is protected by 256-bit SSL encryption and is required by federal regulations. It is kept private and is never shared.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

This information is protected by 256-bit SSL encryption. It is kept private and is never shared.

Mailing Address

What’s your mailing address?

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

Please provide us with information about your current employment status.

Let's document your employment next.

If approved, the joint applicant will have access to all selected accounts.

Would you like to add a joint applicant?

Check if the joint applicant lives at the same address as you.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

What’s their home address?

Once the application is submitted, the joint applicant will receive an email to verify their identity. This verification is required before the application can be processed.

Prepare to verify the joint applicant's identity.

Please provide us with information about their current employment status.

Let's document their employment next.

Please choose the accounts you wish to open today. If the application is approved, each applicant will have access to and can use the selected accounts. Disclosures for the accounts offered in this application: • <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/shareTIS.pdf">Truth in Savings Disclosure - Shares</a> • <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/shareCertificateTIS.pdf">Truth in Savings Disclosure - Share Certificates</a>

Please choose the deposit products below that you wish to open today.

It all starts with a great savings account!

Debit Card Options

Please choose whether you want us to authorize and pay everyday debit card transactions when your account does not have enough funds:

You've selected a checking account with a debit card. You can choose how we handle everyday debit card transactions when your balance is low. We may pay overdrafts for the following types of transactions: • Checks and other transactions made using your checking account number • Automatic bill payments We do not authorize and pay overdrafts for the following transactions unless you ask us to: • Everyday debit card transactions • ATM withdrawals If we authorize and pay an overdraft, you may be charged an overdraft fee. <a target="_blank" rel="noopener noreferrer" href="https://cdn.firstbranchcms.com/kcms-doc/1044/22625/ODP_CONSENT.pdf">View Overdraft Services Consent Disclosure</a>

Overdraft Services for Debit Card Transactions

How much would you like to deposit?

Transfers may take 2–3 business days to post.

Initial Deposit

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can transfer funds electronically as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

I acknowledge receipt of the <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/FundsAvailabilityBancvue.pdf">Funds Availability Policy</a>, <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/DISCLOSURE_EFT1.pdf">Electronic Fund Transfers Agreement and Disclosure</a>, <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/Membership-and-Account-Agreement.pdf">Membership and Account Agreement</a>.

I acknowledge receipt of the <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/shareTIS.pdf">Truth in Savings Disclosure - Shares</a> and <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/shareCertificateTIS.pdf">Truth in Savings Disclosure - Share Certificates</a>.

I acknowledge receipt of the <a target="_blank" rel="noopener noreferrer nofollow" href="https://cdn.firstbranchcms.com/kcms-doc/1044/72609/New-Fee-Schedule-September-2022.pdf">Schedule of Fees</a>.

I acknowledge receipt of the <a target="_blank" rel="noopener noreferrer nofollow" href="https://s3.us-west-2.amazonaws.com/acquire-assets.cotribute.co/first-capital-fcu/documents/e-sign+disc.pdf">E-SIGN Act Disclosure and Consent</a> and consent to receive required disclosures electronically as described therein.

Please accept these disclosures to continue.

Disclosures

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to contact us at (717) 767-5551 or (800) 893-2328.