Limits and Fees Schedule

Limits and Fees Schedule

Do the Math with FirsCapital Bank of Texas

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account: 

Account Research 

Account Research: $25 per hour 

Printouts: $1 per page 

Statement Reprint: $4 per statement 

Cashier’s Checks Purchase 

Cashier’s Check: $4 per check 

Close Account Fee 

$25 per account when closed within the first 90 days of account opening 

Coin and Currency 

Counting Loose Coin: 1% of Total ($2.50 minimum) 

Purchasing Currency Strap: $0.35 per strap 

Purchasing Rolled Coin: $0.10 per roll 

Collection Services 

Automobile Drafts: $15 per draft 

Foreign Checks: $15 per check 

Foreign Currency Purchase: $25 each 

Insufficient Checks: $15 per check 

Insurance Drafts: $15 per draft 

Oil & Gas Drafts: $15 per draft 

Deposit Corrections 

Deposit Corrections: $2 each deposit 

First Freedom Debit Card 

Standard or Instant Issue Card: Free 

You have an unlimited transaction number of withdrawals per day, whether done as a cash withdrawal or a PIN based or signature based debit card transaction. You are limited per day to a maximum of $500.00 in cash withdrawals and $500.00 in PIN based or signature based debit card purchases. In the case of multiple cards attached to a single account, these maximums apply per account, not per debit card. 

Standard Business Debit Card 

Standard or Instant Issue Card: Free 

You have an unlimited transaction number of withdrawals per day, whether done as a cash withdrawal or a PIN based or signature based debit card transaction. You are limited per day to a maximum of $500.00 in cash withdrawals and $3,000.00 in PIN 

Standard Debit Card 

Standard or Instant Issue Card: Free 

You have an unlimited transaction number of withdrawals per day, whether done as a cash withdrawal or a PIN based or signature based debit card transaction. You are limited per day to a maximum of $500.00 in cash withdrawals and $2,000.00 in PIN based or signature based debit card purchases. In the case of multiple cards attached to a single account, these maximums apply per account, not per debit card. 

Standard Debit Card Replacement Fee 

Per Replacement for Standard or Instant Issue Card: $10 per card 

Non-Proprietary ATM Withdrawal Fee 

FirstCapital Bank Customer-foreign ATM: $1 per transaction 

Please remember if you are using an ATM other than ours, the owner of that ATM may charge additional fees. These fees should be clearly disclosed to you at the ATM before processing the transaction. 

Overdraft Fee/Returned Item Fee 

1-2 items in the previous 12 months: $14 per item 

3-5 items in the previous 12 months: $22 per item 

6-9 items in the previous 12 months: $28 per item 

10 or more items in the previous 12 months: $35 per item 

An item is a transaction that creates an Overdraft Fee, Returned Item Fee or Non-sufficient funds (NSF) Fee. An Overdraft Fee or NSF Fee is the fee we charge for an item overdrawing your account or arriving on your account and we return the item according to your choices under Regulation E and participation in our discretionary overdraft program. Transactions that can cause your account to become overdrawn and therefore be charged a fee including: checks, drafts, in-person withdrawals, ACH or one-time debit card transactions, pre-authorized automatic debits, withdrawals or transfers made by phone, internet or ATM, transfers initiated through a Smart Savings Auto-Transfer, as well as payment of an item under the Overdraft Protection Program. We determine the amount of the overdraft fee or returned item fee based on the total number of items presented during the previous 12 months including the current day. No more than $217 in Overdraft Fees and Returned Item Fees will be charged on any business day excluding the Daily Overdraft Fee. No Overdraft Fees will be charged if the available balance in your account is overdrawn by $10.00 or less after posting all transactions at the end of the business day. 

Daily Overdraft Fee 

If your account is overdrawn for five consecutive business days, we will charge a $7.00 Daily Overdraft Fee. If your account is overdrawn for ten consecutive business days, we will charge an additional $7.00 Daily Overdraft Fee. If your account is overdrawn for fifteen consecutive business days, we will charge an additional $7.00 Daily Overdraft Fee. Our business days are Monday through Friday except on federal holidays. We will charge you up to three (3) “Daily Overdraft Fees” for each occasion your account remains overdrawn. This fee applies to all items that overdraw your account, including bank fees and service charges. 

Retail Online Banking 

Monthly Fee: Free 

Bill Pay: Free 

Business Online Banking 

Monthly Fee: Free 

Small Business Bill Pay: Free 

Cash Management Services 

ACH Origination: $10 per batch/$0.10 per item 

Remote Deposit Capture: $60 per month 

Positive Pay: $30 per month 

Business Online Wire Transfers (domestic): $20 per wire 

Business Online Wire Transfers (foreign): $40 per wire

Electronic Data Interchange (EDI): $10 per month 

ACH Debit Blocks: $10 per month

Loan Sweep: $50 per month 

Zero Balance Accounts (ZBA): $10 Master Account/$5 per Sub Account per month 

Cash Management customers will be placed into a First Commercial Checking account, which is eligible for an earnings credit. The earnings credit is credited against the account fees charged to your account each month and is based on the average available balance in your account during the month, less 10% for Legal Reserve Requirements, multiplied by the daily periodic rate. The earnings credit will be applied to your account to reduce your fees and can reduce them down to zero. 

Returned Deposit Item 

$3 per item 

Safe Deposit Boxes (size availability varies at each branch location) 

3x5x21: $25 Annually 

3x10x21: $45 Annually 

5x10x21: $55 Annually 

10x10x21: $85 Annually 

Box Drilled: $100 per incident 

Lost Key Replacement: $20 each 

Stop Payments 

$25 each 

Temporary Checks 

$0.25 per check 

Wire Transfers 

Domestic: $20 each 

Foreign – US Currency: $40 each 

Because we deal as principal, the exchange rate we offer you may not be the same as the rate we obtain ourselves. 

Details of fees and costs will be disclosed to you when entering into a transaction.