Florida Capital Bank was one of the two dozen First Coast businesses recognized at Jacksonville Magazine’s annual Companies With Heart luncheon for their charitable giving. FLCBank was awarded this distinction for contributing to bettering the community in several ways—through volunteer man hours, fundraising drives, and corporate giving. Way to Go Team!
Hear what one of our long-time customers has to say about their experience banking with FLCBank. We are pleased to serve Embroidery Authority and the founders even while they’re hundreds of miles away.
We are thrilled to shine a spotlight on Debbie McDaniel, Deposit Operations Specialist at our bank, for her incredible achievement!
Debbie recently passed the exam for Accredited ACH Professional (AAP) and earned the prestigious AAP designation.
AAPs represent an elite group of highly-skilled professionals, recognized nationally for their exceptional knowledge in electronic payments, especially within the field of ACH payments. This designation is a testament to Debbie’s dedication and commitment to staying at the forefront of the industry.
The AAP exam, sponsored by NACHA, is notoriously challenging, often compared to the Bar Exam in its level of difficulty. Very few pass on their first attempt, making Debbie’s achievement even more commendable.
Debbie’s expertise and knowledge in ACH payments will greatly benefit our bank, especially in our work with TPPPs (Third Party Payment Processors) and the high volume of ACH transactions we process daily. Her expertise ensures we remain fully compliant with the numerous ACH rules and regulations.
This accomplishment reflects her unwavering commitment to excellence and her dedication to providing top-notch service to our valued clients.
Florida Capital Bank received the “Best Places to Work in Jacksonville” designation once again! We couldn’t wait to share this news with all of you — our wonderful customers, friends, and followers. We have worked hard to cultivate and nurture our company culture to make FLCBank a truly awesome place to work. We are SO GRATEFUL for our incredible, dedicated TEAMS — our greatest asset.
Banks Never Ask That
Every day, thousands of people fall victim to fraudulent calls, emails, and texts from scammers pretending to be from their bank. The banking industry wants to change that and as a whole fully understands the tremendous risk that cybercrime presents – to both clients and to banks themselves.
The #BanksNeverAskThat is a national award-winning campaign returning for its fourth year from the American Bankers Association (ABA). Florida Capital Bank has partnered with the ABA to educate consumers about the persistent threat of phishing scams. The goal is to turn the tables on the bad guys by empowering consumers with the tools they need to spot bogus bank communications. Visit the #BanksNeverAskThat website for resources to help us stay a step ahead of scammers. New this year are resources available in Spanish, and a Spanish language website!
“This campaign is an unprecedented effort by the banking industry to address a growing threat to our customers,” said ABA President and CEO Rob Nichols. “America’s banks are fighting back with major investments in technology and security protocols designed to stay a step ahead of the bad guys, but well-informed customers are another critical layer of defense.”
The colorful, engaging website includes videos, tips, and general information like this valuable list of things your bank will never ask you for in an email:
- Your account number
- Your user-name or password
- Your Social Security Number
- Your pin
- Your birthday
- Your address
- The answer to your security question
How to Recognize and Avoid Phishing Scams
According to the FBI’s Internet Crime Complaint Center Report, thousands of scam email attacks are sent out every day. These fraudulent emails, called “phishing emails,” are designed to look like authentic communications from reputable sources like your bank or credit card provider.
There’s a wide range of email scams but ultimately their goal is to trick you into revealing your personal, and financial information – your account numbers, passwords, and social security number. You may think you can recognize these counterfeit emails when they arrive in your inbox, but the grim reality is that phishing emails and cyber scams cost Americans over $57 million in just one year.
The Federal Trade Commission (FTC) is the main agency that collects scam reports. Report your scam online with the FTC complaint assistant, or by phone at 1-877-382-4357 (9:00 AM – 8:00 PM, ET).
The FTC warns you to watch out for emails with these seven common messages:
- Notifying you of “suspicious activity” or log-in attempts
- Claiming there’s a problem with your account or payment information
- Asking you to confirm some personal information, usually with a note of urgency
- Demanding payment of a fake invoice
- Offering you a link or button to make a payment
- Telling you you’re eligible to register for a government refund
- Giving you a coupon or coupons for free stuff
Learn More Here on How to Recognize and avoid phishing scams.
FLCBank’s commitment to fighting cybercrime
At FLCBank, we’re committed to doing everything possible to protect clients from the threat of email fraud. We’ve recently launched a comprehensive Fraud and Scam Alert resource page on our website providing reference information including:
- Links to the FTC and Internet Crime Complaint Center
- Updates on scams specifically targeting FLCBank and our clients
- Detailed information on the latest COVID-19 scams
Remember, at FLCBank, we will NEVER call you to request an account or personal information or ask for it in an email. If you ever receive an email that looks like it’s from FLCBank asking you to click a link and provide, confirm, or update your information, DO NOT CLICK on any links in the email. Report the email to us and log in as you normally would to check the status of your account.
To notify FLCBank of online fraud or a scam involving FLCBank or your FLCBank account, please call 800.318.3159, Mon. – Fri., 9:00 a.m.— 5:00 p.m. EST or e-mail us at cybersecurity@flcb.com. Include your name, e-mail, phone number, and a detailed description of the possible fraud or scam.
If you’re considering buying commercial real estate in Florida, it is an important decision that requires careful consideration. At FLCBank, we understand that every business has unique needs, so we offer personalized advice to help you find the right property and secure a commercial real estate loan that fits your budget.
Tips for Buying Commercial Real Estate in Florida
Some important factors to consider when buying commercial property include:
- Location
- Zoning
- Property condition
- It’s also important to clearly understand the market and the potential for growth in the area.
Our experienced bankers can help guide you through the process, from assessing your financial needs to negotiating the loan terms. With FLCBank, you can have peace of mind knowing you have a trusted partner.
The Benefits of Equipment Financing for Commercial Property Owners
If you own commercial real estate in Florida, you know that equipment can be a major expense. From HVAC systems to kitchen equipment, maintaining and upgrading your equipment is essential to keep your business running smoothly.
At FLCBank, we offer equipment financing to help you manage these costs. With flexible repayment terms and competitive rates, our equipment financing solutions can help you free up cash flow and invest in the tools you need to grow your business.
Whether you want to purchase new equipment or upgrade your assets, our experienced bankers can help. We understand the importance of reliable equipment and are committed to helping you succeed.
With equipment financing from FLCBank, you can enjoy a range of benefits, including:
- tax advantages,
- improved cash flow,
- and increased productivity.
Our team of experienced bankers understands the Florida real estate market and can help you navigate securing a commercial real estate loan. We offer a range of financing options to meet your specific needs, including fixed-rate and adjustable-rate loans.
How to Qualify for a Commercial Real Estate Loan in Florida
Securing a commercial real estate loan in Florida can be a complex process. At FLCBank, we’re here to help you navigate the process and ensure you meet the qualifications for a loan.
To qualify for a commercial real estate loan, you’ll typically need a strong credit score, a solid business plan, and a down payment. You’ll also need to provide detailed information about the property you’re purchasing, including its value.
Our experienced bankers can help you gather the necessary documentation and prepare a strong loan application. We’ll work with you every step of the way to ensure that you meet the qualifications for a loan and secure the financing you need to achieve your business goals. Contact us today for assistance.
As healthcare and medical professionals look for ways to expand their practices, they may consider financing options such as medical equipment financing. While this can be a helpful solution, it is also important to consider the payment options available. In today’s digital age, there are many benefits to switching to online payment solutions and payment partnership solutions. FLCBank offers these options, providing healthcare professionals with a reliable and convenient way to manage their finances.
The Benefits of Online Payment Solutions
In today’s fast-paced digital world, online solutions are necessary for businesses to stay competitive and meet their customers’ needs. Medical professionals can benefit greatly from switching to digital payments for their practice.
Online payment solutions offer a range of benefits that traditional payment methods cannot match. One of the most significant advantages is the ability to streamline financial transactions. With FLCBank’s online payment solutions, medical professionals can easily manage and monitor real-time payments, invoices, and deposits.
Another significant advantage of payment solutions is the ease and convenience they provide to customers. Patients can make payments directly from their mobile devices or computers, making paying bills and managing their accounts easy.
Payment Partnership Solutions
In addition to online payment solutions, FLCBank offers partnership solutions for medical professionals. These solutions help streamline the entire payment process, from invoicing to collections, and help medical professionals save time and money.
FLCBank’s payment partnership solutions offer a range of benefits, including:
- Customizable invoicing and billing options that are tailored to your practice’s needs
- Automated billing and collection services that reduce administrative work and streamline operations
- Access to a dedicated account manager who can assist with any questions or concerns
- Competitive pricing and flexible payment terms
Switching to FLCBank’s Online Payment Solutions
Switching to FLCBank’s online payment solutions is a simple and seamless process. Our team of experts will work with you to determine the best solution for your practice’s unique needs and provide ongoing support and guidance.
With FLCBank’s payment solutions, medical professionals can:
- Reduce administrative work and save time
- Improve cash flow and financial management
- Enhance customer satisfaction with easy and convenient payment options
- Access a range of payment partnership solutions to streamline operations and reduce costs
Contact us today to learn more about how we can help your practice thrive.
As a healthcare or medical professional, you know the importance of having the latest medical equipment to provide the best care to your patients. However, purchasing medical equipment can be a significant financial burden. Fortunately, FLCBank offers various equipment financing options to help you expand your practice and provide top-quality care.
Here are some medical equipment financing options available at FLCBank:
- Term Loans: FLCBank offers healthcare professionals a lump sum to purchase the necessary medical equipment, with fixed repayment terms and competitive interest rates. Term loans are ideal for healthcare professionals who need to make significant purchases and want to repay the loan over a more extended period.
- Equipment Leases: FLCBank’s equipment leases offer healthcare professionals flexible repayment terms and the ability to upgrade their equipment as needed. Leases are ideal for healthcare professionals who prefer lower monthly payments and want to avoid the expense of owning and maintaining equipment.
- Lines of Credit: FLCBank’s lines of credit provide healthcare professionals with access to funds for various purposes, including purchasing medical equipment. Lines of credit are ideal for healthcare professionals who want flexibility in using the funds and want to repay the loan on their terms.
Benefits of Medical Equipment Financing
Medical equipment financing offers numerous benefits to healthcare professionals, including:
- flexibility in payment terms,
- competitive interest rates,
- and access to the latest equipment and technology.
How to Qualify for Medical Equipment Financing
Healthcare professionals must have good credit and a stable income to qualify for equipment financing. The exact requirements can vary depending on the lender and the financing option.
In addition to good credit and stable income, lenders may also consider other factors when determining eligibility for medical equipment financing. One important factor is the time the healthcare professional has been in business. Typically, lenders prefer to work with healthcare professionals who have been in business for at least two years.
Another important factor is the value of the equipment being financed. Lenders may require that the equipment has a certain value or may only finance a percentage of the equipment’s value. Additionally, some lenders may require a down payment or collateral to secure the equipment financing.
How FLCBank Can Help with Medical Equipment Financing
FLCBank has years of experience helping healthcare professionals secure the financing they need to grow their practice. Our team of experts can work with you to find the best financing option for your needs and guide you through the application process.
Contact us today to learn how we can help you expand your practice and provide top-quality patient care.