First Capital Bank of Texas

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Summary

company sizeCompany size 201-500
total assetsTotal Assets $2B - $5B
Midland, Texas, United States

First Capital Bank of Texas is a federally chartered community bank based in Midland, Texas founded in 1998. First Capital Bank of Texas offers business and personal banking services including cash and treasury management, mortgages, personal loans, credit cards, business loans, commercial real estate loans, merchant services, private banking, and wealth management services. First Capital Bank of Texas serves West Texas, North Texas, the Texas Panhandle and the Texas Hill Country with offices in Amarillo, Burkburnett, Byers, Dallas, Fredericksburg, Henrietta, Horseshoe Bay, Lubbock, Marble Falls, Midland and Wichita Falls.

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Mark K.
Verified LinkedIn User
Jun 17, 2022
1.6
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Knowledge and competency
Communications and transparency
Fees and Costs
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Overall Rating
Ratings comment
Whatever you do, do not bank with this bank, especially if you are a trucker! Don't say I didn't warn you!! On this day, they suddenly shut down my business account, for no reason, after 2 years. No phonecall, or email before hand, just an old fashioned letter to my house. Yes a letter, in the digital age! And as an OTR trucker you know you only see your mail once in a while. When I called, they said I gave fraudulent info to open an account, it's just simply not true! Then said the account was labeled as fraudulent, which it is just absolutely not, it's a simple business account for trucking. Their unjustified actions have put me in a terrible position with my staff, and monthly bills, as it takes some time to reopen another business account. With proper digital notice, from this day and age, I could have opened up an account elsewhere and made a suitable transition. Here's all the reason why you should NOT bank with them if you are a trucker, or anyone for that matter: 1. They are an old fashioned bank, completely out of touch with modern banking, at least 10 years behind. 2. Their app runs days behind in listing your transactions accurately, so no way to keep your budget organized. 3. You can't have more than one person on your business account. 4. Their app/website is frequently down, like 2-3 times a week. 5. They do not reimburse fraudulent charges to your account. 6. They won't block charges you disagree with. 7. PayPal doesn't work too well with them. Transferring money takes several days, but with other banks it's instant. 8. They may suddenly stop banking with you, and shut your account down, without notifying you in the modern way, like by email, text, or a call. If you bank with them, after you read my review, you are a lunatic.
Additional comments
What did you like best about your experience with the Firm?
Nothing
What did you like least about your experience with the Firm?
Many things
What recommendations would you make to other businesses considering engaging this Firm?
Use a more modern bank

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