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

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

Terms and Conditions

Sign up in less than 5 mins

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.

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

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

This information is protected by 256-bit SSL encryption and is required by federal regulations to verify your identity and report interest income. This information is kept private and is never shared.

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?

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 their home address?

This information is protected by 256-bit SSL encryption and is required by federal regulations to verify the joint applicant’s identity. This information is kept private and is never shared.

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.

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

It all starts with a great savings account!

Debit Card Options

You can choose how we handle everyday debit card transactions when your balance is low. Opt-In — Extra Protection: We may approve transactions that would overdraw your account, helping cover emergencies or essential purchases. No fee unless your account is overdrawn. Tip: Opting in can help you avoid declined purchases in urgent situations. Opt-Out — No Fees: Transactions that would overdraw your account will be declined at no charge. Think about how you use your debit card day-to-day and choose the option that best supports your spending needs.

Overdraft Protection

How much would you like to initially deposit?

Initial Deposit

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

Link your current bank account so we can wirelessly transfer funds 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.

By checking this box you agree to our <a href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/FundsAvailabilityBancvue.pdf" target="_blank">Funds Availability Policy</a>, <a href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/DISCLOSURE_EFT1.pdf" target="_blank">Electronic Fund Transfers Agreement and Disclosure</a>, <a href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/Membership-and-Account-Agreement.pdf" target="_blank">Membership and Account Agreement</a>.

By checking this box you agree to our <a href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/shareTIS.pdf" target="_blank">Truth in Savings Disclosure - Shares</a> and <a href="https://www.firstcapitalfcu.com/custom/fi/firstcapitalfcu/fb/disclosure/shareCertificateTIS.pdf" target="_blank">Truth in Savings Disclosure - Share Certificates</a>.

By checking this box you agree to our <a href="https://cdn.firstbranchcms.com/kcms-doc/1044/72609/New-Fee-Schedule-September-2022.pdf" target="_blank">Schedule of Fees</a>.

By checking this box you agree to our <a href="https://s3.us-west-2.amazonaws.com/acquire-assets.cotribute.co/first-capital-fcu/documents/e-sign+disc.pdf" target="_blank">E-SIGN Act Disclosure and Consent</a>.

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.