1st Capital Bank Online Banking Login

1st Capital Bank is aimed mostly for the business market, they hope to get customers which are real estate investors, professionals, commercial enterprises and family businesses. The bank is headquartered in Monterey, Carlifonia and is widely recognized for their brand “BauerFinancial Inc”. They are well known for their high quality customer service and competitive rates in the market.

1st Capital Bank offers its customers a secure and reliable online banking service. The service is free and takes away the hassle of managing finances. In the following section, we’ll take you through the steps of 1st Capital Bank Online Banking Login, enrollment, and resetting password.


Logging into 1st Capital Bank online banking is an easy process. You can do so from anywhere there is a PC and good internet connection. To log into your account, simply do as follows:

Step 1– Open your browser and go to 1stcapitalbank.com

Step 2– Enter your username and password in the log in area at the left side of the homepage then click the login tab:

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Once you enter and submit the login credentials, you will be directed to your 1st Capital Bank online bank account where you can manage your funds and account details.


From time to time we tend to forget login credentials for some online services we are registered with after significant periods of time without logging into the accounts. Here’s how you can reset the password of your online banking account:

Step 1- Click “Reset your passcode” or “Forgot your passcode” as shown bellow:

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Step 2- In the next page, enter your access ID followed by your Tax ID/SSN, and your account number then click submit:

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Once you send the details, you will receive a temporary password via email. You will use that to login and then change the password to the one you like.


1st Capital Bank allows individuals who operate checking or savings accounts to signup for online banking. Registration is free and takes about 10-15 minutes. To enroll, proceed with the steps shown below.

Step 1- Click on the login tab leaving access ID and passcode blank:

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Step 2- Click on the enroll link as shown bellow:

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Step 3- Scroll through the Internet Banking and Bill Payment Agreement and click on the checkbox and I Agree:

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Step 4- Fill the required details on the enrollment form, enter your account number, preferred nickname and select the account type. Create an access code and passcode followed by security verification question and answer.

Step 5- Verify enrollment details and then click submit to finish the process.

Once you submit the details, your account will be setup within 1 business day and you will receive a confirmation message via email.


Enrolling for 1st Capital Bank gives you the opportunity to manage your funds effectively. Once you log into your account, you can do the following things remotely:

  • View status of check payments
  • View account balances in real-time
  • Make funds transfers between accounts
  • view recent and scheduled payments
  • Retrieve and print monthly statements
  • Pay your bills conveniently
  • Send and receive secure message
  • Search recent transactions
  • Download and print account information

We are available during normal business hours by calling 831-264-4003 or emailing us at [email protected].

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