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

Membership type is based on your child’s age: Deep Sea Savers (13 &amp; under): Save, earn, and play! Get competitive dividends, Coins for deposits redeemed for prizes, a birthday reward, and access to College Club and Add-On Youth Share Certificate to grow savings faster. NextGen (14–17): Earn points for every deposit, turn 500 points into a $5 savings bonus, and enjoy a FREE tumbler, checks, electronic services, quarterly gift card drawings, and birthday rewards. Your child may qualify if they 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 <a target="_blank" rel="noopener noreferrer" href="https://firstcapgivesback.com/">FirstCap Gives Back Foundation</a></li></ul>Parent or guardian must complete this application.

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 a Youth Membership!

By checking this box, I certify that I am the parent or legal guardian of the minor applicant and am authorized to begin this application.

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

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

Let’s start with the youth's name.

Thank you for your interest in the youth account. Unfortunately, this account type is designed for users under 19, so it doesn’t apply to those who are older. If you need assistance with another account type, <a target="_blank" rel="noopener noreferrer nofollow" href="https://onboard-uat.cotribute.co/flows/b431d96a-ca38-4416-9d8e-9bccaf779269">click here</a>.

Contact us for further assistance: (717) 767-5551 or (800) 893-2328

Did you mean to open a non-youth account?

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 their home address?

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

Mailing Address

What’s their mailing address?

Let’s verify their identity.

We have just a few questions to include you, the parent/guardian, as joint on the membership.

Now, let’s collect some information about you.

Check if you live at the same address as the youth.

Let us know how we can get in touch with you in case we need to.

What is your contact information?

We use this information to verify your identity. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s your home address?

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

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 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.

Let’s document your 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>

<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 Protection

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.

How much would you like to deposit?

I certify that I am the parent or legal guardian of the minor applicant and consent to opening this account on the minor’s behalf. I have reviewed the <a target="_blank" rel="noopener noreferrer nofollow" href="https://s3.us-west-2.amazonaws.com/acquire-assets.cotribute.co/first-capital-fcu/documents/NEW_GUARANTOR.pdf">Guarantor Agreement</a> and agree to its terms. Checking this box constitutes my electronic signature.

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.