Support FAQs – Capital Point Financial Group

Common Inquiries

Yes, you can manage your CapitalPoint account online through our secure online banking platform. Log in to your account to access a range of services, including viewing account balances, transferring funds, paying bills, and managing account settings.

You can make deposits to your CapitalPoint account through various methods:

Direct Deposit: Set up direct deposit with your employer for a seamless and automatic way to receive funds.
Mobile Check Deposit: Use our mobile banking app to deposit checks by taking photos of them with your smartphone.
In-Person Deposits: Visit a CapitalPoint office to make deposits with the assistance of our staff. Please ensure that you follow our guidelines for depositing funds to ensure a smooth and secure transaction.

If your debit or credit card is lost or stolen, please report it immediately by contacting our 24/7 customer support at [email protected] or by calling. Our representatives will assist you in securing your account and issuing a replacement card.

To reset your online banking password, visit the login page and click on the “Forgot Password” or “Reset Password” link. Follow the on-screen instructions to verify your identity and create a new password. If you encounter any issues, contact our customer support for assistance.

Yes, you can open additional accounts online through your Capita lPointFinancial online banking portal. Navigate to the “Open an Account” section, and follow the prompts to select the type of account you want to open.

Complete the required information, and our system will guide you through the account opening process.

An External Transfer allows you to move funds between your CapitalPoint account and accounts you hold at other financial institutions. This service facilitates convenient and secure transfers, enabling you to manage your finances efficiently.

To remove an External Transfer account, log in to your CapitalPoint online banking account. Visit the “External Transfers” or “Linked Accounts” section, select the account you want to remove, and follow the provided instructions to unlink or remove the account from your profile.

To edit or delete an External Transfer, log in to your CapitalPoint online banking account. Navigate to the “Transfers” or “Payments” section, locate the External Transfer you wish to modify, and follow the on-screen instructions to edit the details or delete the transfer.

Opening a Checking Account

You will need a valid government-issued ID (such as a driver’s license or passport), proof of address, and your Social Security number.

Yes, CapitalPoint requires a minimum initial deposit of $50 to open a checking account.

Yes, you can easily open a checking account through our website or mobile app without visiting a physical branch.

Our checking accounts have no monthly maintenance fees. However, there may be fees for services like overdraft protection and out-of-network ATM withdrawals.

We offer standard checking accounts, interest-bearing checking accounts, and student checking accounts.

Yes, every checking account comes with a debit card that you can use for purchases and ATM withdrawals.

You can access and manage your account through our online banking portal, mobile app, and at ATMs.

Overdraft protection is a service that covers transactions exceeding your account balance. You can opt into this service during account setup or any time through your account settings.

Yes, all our checking accounts are insured up to $100,000 per depositor, per insured bank.

To switch, open a new account with us, transfer your funds, update your direct deposits and automatic payments to Capitalpoint, and close your old account when ready. Our customer support team can assist you with this process.

Stated Loan Inquiries

We offers federal student loan refinancing, private student loans, and parent loans to cover the cost of education.

Eligibility typically requires being enrolled at least half-time in a degree-granting program, having a satisfactory credit history, and meeting income requirements or having a cosigner.

Interest rates vary based on the loan type, amount, and your creditworthiness. Capitalpoint offers both fixed and variable interest rates.

There are no application or origination fees for student loans at Capitalpoint, but late payment and other fees may apply.

Capitalpoint offers several repayment options, including immediate, interest-only, deferred, and graduated repayment plans to suit your financial situation.

Home Loan Inquiries

We offer various home loan options including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans.

Eligibility generally requires a good credit score, stable income, a sufficient down payment, and meeting the debt-to-income ratio criteria.

Interest rates for home loans vary based on loan type, term length, and your credit profile. Please visit our website or contact us for the most current rates.

The process involves pre-qualification, completing a formal application, submitting required documentation, underwriting, and closing. Our mortgage specialists will guide you through each step.

Yes, there may be various fees including origination fees, appraisal fees, and closing costs. Our loan officers will provide a detailed breakdown of all applicable fees during the application process.