American Capital Bank has served generations of families, businesses, and communities with integrity, stability, and a commitment to your financial future.
From everyday checking to long-term wealth strategies, we have the right solution for every stage of life.
No monthly fees, no minimums. Access your money anywhere with our 50,000+ ATM network and award-winning mobile app.
Learn moreCompetitive APYs with flexible terms. Watch your savings grow with our high-yield accounts and certificate of deposit options.
Learn moreFind the home of your dreams with our flexible mortgage products, competitive rates, and dedicated loan officers at your side.
Learn moreDedicated business accounts, merchant services, and lines of credit designed to help your company grow confidently.
Learn moreExpert financial planning, portfolio management, and estate services for individuals, families, and institutions.
Learn moreFast approvals, fixed rates, and no prepayment penalties. Get the funds you need for life's milestones and unexpected moments.
Learn moreAPYs effective as of April 2026. Rates subject to change. Minimum deposits may apply.
Deposit checks, transfer funds, pay bills, and monitor every transaction from anywhere in the world with our top-rated app.
Access cash at over 50,000 surcharge-free ATMs nationwide, with full reimbursement on out-of-network fees for premium accounts.
Real-time fraud alerts, biometric login, and our $0 fraud liability guarantee ensure your money is protected every moment of the day.
Every customer has access to a personal banker. We believe real relationships build better financial futures.
American Capital made buying our first home feel completely manageable. Our loan officer walked us through every step with patience and expertise.
I've banked here for over 20 years. Their business accounts helped me scale from a one-person shop to a team of 40. Truly a partner in every sense.
The wealth management team designed a retirement plan I actually understand. I feel confident about my future for the first time in years.
From sole proprietors to mid-market companies, we offer the tools, credit, and expertise to help you grow with confidence.
No transaction limits, no monthly fees under $10K average balance. Includes same-day ACH and wire capabilities.
Flexible revolving credit from $25K to $5M. Draw when you need it, pay back on your terms — no prepayment penalties.
Accept payments everywhere — in-store, online, or mobile. Competitive processing rates with next-day funding.
Preferred SBA lender with dedicated underwriters. Fast decisions on loans up to $10M for equipment, real estate, and expansion.
Integrated payroll processing, ACH origination, and cash management tools to keep your operation running smoothly.
Every business client gets a named relationship manager — one point of contact who knows your business inside and out.
Schedule a free consultation with one of our business specialists. No commitment, no jargon — just honest advice.
Open a Business AccountOur team of CERTIFIED FINANCIAL PLANNER™ professionals works alongside you to build, protect, and transfer wealth across generations.
Actively managed and index portfolios tailored to your risk tolerance, time horizon, and goals. Transparent fee-only pricing.
IRA rollovers, 401(k) optimization, Social Security strategy, and income planning so you retire on your terms.
Wills, trusts, and estate administration handled by our in-house trust officers — ensuring your wishes are carried out with care.
Coordinated tax planning with your advisors to minimize liability through harvesting, Roth conversions, and charitable giving.
Concierge banking for high-net-worth clients. Priority access, bespoke lending, and a private banker available by direct line.
Plan your exit confidently — buy-sell agreements, valuation, and key-person insurance strategies for business owners.
Minimum $250,000 investable assets to begin a wealth management relationship.
Schedule a ConsultationFounded in 1947 in Louisville, Kentucky by Harold J. Whitmore, American Capital Bank & Trust opened its doors with a single belief: that banking should be a relationship, not a transaction.
Today we operate 340 branches across 28 states, manage $48 billion in assets, and serve over 2.1 million customers — but our values have never changed. Every decision we make starts with one question: is this right for our customers?
We say what we mean and do what we say. No hidden fees, no fine print surprises.
We've invested over $120M in local communities through grants, lending, and volunteerism since 2000.
Top-rated mobile banking app, real-time alerts, and AI-powered budgeting tools — all free for every account holder.
Profitable every year since 1953. Our conservative balance sheet means your money is safe through any economic cycle.