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Online Services

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Frequently Asked Questions

FAQs are subject to change as more guidance becomes available.

We are following CDC guidelines for decreasing the spread of COVID-19, including requiring face coverings inside our buildings, encouraging social distancing, installing Plexiglas barriers in branch locations and increasing cleaning of surfaces, including ATM keypads, doorknobs and counters. Additionally, we have hand sanitizer in our branches for use by customers and team members. We encourage you to continue visiting this page for any updates on our response.
The health and safety of our team members and our customers is our top priority. Our tellers and branch staff wear face coverings and have access to hand sanitizer, hand sanitizing wipes and gloves. Additionally, in line with CDC recommendations, we have increased the cleaning of hard surfaces in our branches and the key pads at our ATMs. We have also installed social distancing reminder decals for those who enter our branches, and Plexiglas barriers for our team members.
Yes. Your money is safe in the bank.
Yes. Capital Financial Inc is FDIC insured. FDIC insurance covers all deposit accounts, including:
  • Checking accounts
  • Savings accounts
  • Money market deposit accounts
  • Certificates of deposit
FDIC insurance does not cover other financial products and services such as stocks, bonds, mutual funds, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. You can learn more about FDIC Insurance by visiting FDIC.gov and selecting the “Deposit Insurance” dropdown.
Like all banks and many businesses, Capital Financial Inc is experiencing some disruptions in coin availability. The Federal Reserve is working on several fronts to mitigate the effects of low coin inventories and circulation, which includes managing the allocation of existing Federal Reserve inventories, working with the U.S. Mint, as the issuing authority, to minimize supply constraints and maximize coin production capacity. We are monitoring this situation closely, and anticipate a return to normal coin reserves as the coin circulation in the country improves. For more information, please visit the Federal Reserve website, frbservices.org.
Yes, Capital Financial Inc is accepting rolled coin in the first lane of our drive-thrus. Coin wrappers are available from your local branch upon request.
Please contact Capital Financial Inc Customer Care or your local banker regarding availability of coin in your area.
We apologize for the inconvenience, but due to limited coin inventory and circulation, we are only assisting Capital Financial Inc customer coin needs at this time.

Protecting Yourself

COVID-19 Fraud – The IRS Warns of “Stimulus Check” Scams

Scammers use every opportunity to swindle vulnerable Americans, especially those in a state of need. The IRS is urging taxpayers to be on the lookout for a surge of scams related to the Coronavirus, or COVID-19. If you receive an unsolicited email, text message, or social media attempt to gather information that appears to be from the IRS, please forward it to [email protected]

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Small Business Resources

The coronavirus situation reminds businesses everywhere that their employees, financial operations, supply chains, and customer relations can all be affected. Strengthen your disaster readiness planning with these resources that can help you create a written plan, keep employees safe, and find financial assistance.

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Economic Injury Disaster Loan Emergency Grant

As part of the CARES Act, the Emergency Injury Disaster Loan (EIDL) Program was amended to add a $10,000 emergency grant that is immediately available to businesses.Applications to the EIDL Program can be made online directly to SBA.

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Refinance a Capital Financial Inc Loan with an SBA 7(a) Loan

Existing customers may be eligible for a new SBA loans with the following terms:

  • Permitted Use: The existing conventional loan cannot have been 30+ days past due in the past three years, and the original proceeds must have been for an eligible SBA 7a loan purpose. Generally speaking, the SBA loan payment must reduce the existing payment by 10% or more. Some exceptions to this, for example, if the conventional loan has a balloon or if the SBA authorized loan term is significantly longer than the remaining conventional loan maturity.
  • Amount: Up to $5 million, but loan below $350,000 require less collateral and are faster to close due to reduced underwriting requirements.
  • Term: 7-10 years for non-real estate loans and up to 25 years for real estate loans.
  • Rate: Interest rates are determined by size and risk category.

How to Apply: Please contact your SBA Relationship Manager to complete your application. In addition, you must submit the application with a signed and dated IRS Form 4506-T which gives the IRS permission to provide your tax return information.


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