No stored Google rating available.
Florida Capital Bank is a community-focused business bank offering commercial lending, checking accounts, and cash management solutions with local decision-making and personalized service.
Data compiled from public sources
Florida Capital Bank, National Association operates as a community business bank positioned between the capabilities of large national banks and the personalized service of small local institutions. The bank emphasizes serving business clients with a blend of modern banking products and attentive, flexible service tailored to local markets. The bank's primary service offerings include business checking and savings accounts with interest rates tied to account balances, commercial lending programs (including small business loans for equipment purchases and commercial real estate), cash management services, bill pay functionality, and mobile banking through their FLCBank Business Mobility App.
They facilitate check deposits via mobile capture, fund transfers between accounts, transaction approvals, and cash flow monitoring for business customers. Florida Capital Bank distinguishes itself through emphasis on local decision-making rather than centralized corporate processes, personalized service from empowered employees, and flexibility in structuring solutions for individual business needs. Their positioning explicitly targets businesses seeking alternatives to larger banks while maintaining modern technology and professional standards.
' The company appears focused exclusively on business banking rather than consumer/personal banking, though their website mentions personal banking as a contact option. As a National Association bank, they operate under federal banking regulations and FDIC oversight, though specific details about deposit insurance limits and regulatory standing are not included in available website content.
This is state-level context for Banks consumers in Jacksonville, FL. It does not confirm that Florida Capital Bank, National Association or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Florida Capital Bank, National Association processed 872 mortgage applications in 2023, with 88.3% recorded as approved across 34 states.
872
Applications
88.3%
Approval Rate
$426K
Avg Loan
34
States Served
Based on 872 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Florida Capital Bank, National Association offers 12 services including Business checking accounts with balance-based interest rates, Business savings accounts, Commercial lending and business loans, Small business expansion and equipment financing, Commercial real estate financing, and 7 more.
Florida Capital Bank, National Association has profile signals associated with Small to mid-sized businesses seeking personalized lending relationships with local decision-making, Business owners wanting interest-bearing checking accounts that reward higher balances, Companies needing integrated bill pay and mobile banking for business operations management.
Key strengths: Interest rates on checking accounts increase with higher balance levels, incentivizing deposit growth; Mobile check deposit capability via the FLCBank Business Mobility App for convenience; Commercial lending options specifically designed for small business expansion, equipment upgrades, and property purchases. Areas to consider: Website content does not specify lending rates, terms, or approval criteria for business loans; Geographic service area and branch locations not clearly detailed on website (only generic 'Locations & Hours' link).
In the Banks category, comparable providers include American Momentum Bank, Crews Bank & Trust, EdFed. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Florida Capital Bank is best suited for small to mid-sized business owners in their service area seeking personalized commercial lending and business banking with local decision-making. The main caveat is that their website provides limited specific information about rates, terms, lending criteria, minimum balances, or geographic service area—prospective business customers should contact them directly at 866-380-6222 for detailed product specifications and eligibility requirements.
FDIC-insured bank offering personal and business checking, savings, CDs, IRAs, and lending products across multiple states with focus on association and small business banking.
Google rating from 17 reviews
Profile signals: Small business owners and entrepreneurs needing SBA loans and commercial lending in Texas or Florida, Property managers and HOA companies seeking dedicated association banking support
Crews Bank & Trust is a full-service bank with 90+ years of Florida history, offering personal and business banking, mortgages, investment services, and trust administration through multiple branches including Sarasota.
Google rating from 39 reviews
Profile signals: Florida-based business owners seeking relationship-driven banking with SBA loans, commercial real estate financing, and treasury management, Sarasota-area residents and professionals wanting a full-service bank with trust/wealth management and estate planning services
Educational Federal Credit Union offers member-owned banking services including auto loans, mortgages, credit cards, and home equity products with promotional rates and cash-back incentives.
Google rating from 76 reviews
Profile signals: Credit union members seeking auto loans with promotional rates and deferred payment options, Homebuyers interested in guided home purchasing through dedicated concierge support
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Florida Capital Bank, National Association and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.