Capital Bank Loan Payment Options

Total Page:16

File Type:pdf, Size:1020Kb

Capital Bank Loan Payment Options Capital Bank Loan Payment Options Thank you for financing with Capital Bank! We offer an array of options for making your loan payment. Internal Transfers from Your Capital Bank Account With Online Banking or Mobile Banking*, you are able to conveniently make immediate transfers for the regular loan payment amount from your Capital Bank account to your loan. Recurring transfers can also be set up. • You must have access to Online Banking • Fee: Free - *Mobile carrier message and data rates may apply. Automatic Debit or ACH Debit Recurring automatic transfers or ACH debits may be scheduled from your Capital Bank account or an account at another financial institution. • Set up with your loan representative • Fee: Free Loan Quickpay Visit www.capitalbanktx.com and select the Loan Quickpay hot button and make your loan payment today or schedule future loan payments with our online payment solution. It’s easy, fast and secure. • Make a one-time payment using funds from a checking or savings account or debit card at another financial institution. A fee of $7.50 applies to each transaction. • Schedule recurring payments via ACH from any financial institution checking or savings account. There is no fee charged for this service. Pay by Phone This service is used to make a one-time payment by phone to a Capital Bank loan using funds from another financial institution or debit card. A $9.95 convenience fee applies to each transaction. • Please contact a Loan Operations representative for more details at 713-675-2341 x1313 Mail/In-Person Payment Capital Bank accepts In-Person loan payments by cash, check or money order at any of our Banking Centers during regular business hours. Visit www.capitalbanktx.com or contact 713-675-2341 for business hours. For payments by mail: Capital Bank Loan Department P.O. Box 24337 Houston, Texas 77229 Wire Transfer Capital Bank accepts wire transfers for loan payments. All wire transfer payments should reference the borrower name and loan number and wired as follows: Capital Bank ABA# 113002296 .
Recommended publications
  • RD Instruction 1902-A
    RD Instruction 1902-A PART 1902 - SUPERVISED BANK ACCOUNTS Subpart A – Supervised Bank Accounts of Loan, Grant, and Other Funds TABLE OF CONTENTS Sec. Page 1902.1 General. 1 1902.2 Policies concerning disbursement of funds. 2 1902.3 Procedures to follow in fund disbursement. 3 1902.4 Establishing MFH reserve accounts in a supervised bank account. 3 (a) General requirements. 4 (b) Deposits and account activity statements. 5 1902.5 [Reserved] 5 1902.6 Establishing supervised bank accounts. 5 1902.7 Pledging collateral for deposit of funds in supervised bank accounts. 7 1902.8 Authority to establish and administer supervised bank accounts. 8 1902.9 Deposits. 8 (a) Deposit by Rural Development personnel. 8 (b) Deposits by borrowers. 10 1902.10 Withdrawals. 10 1902.11 Servicing Office records. 12 1902.12 - 1902.13 [Reserved] 12 1902.14 Reconciliation of accounts. 13 1902.15 Closing accounts. 13 1902.16 Request for withdrawals by State Director. 16 1902.17 - 1902.49 [Reserved] 16 1902.50 OMB control number. 16 Exhibit A - [Reserved] Exhibit B - Interest-Bearing Deposit Agreement o0o (10-12-05) SPECIAL PN RD Instruction 1902-A PART 1902 - SUPERVISED BANK ACCOUNTS Subpart A - Supervised Bank Accounts of Loan, Grant, and Other Funds § 1902.1 General. This subpart prescribes the policies and procedures in establishing and using supervised bank accounts, and in placing Multi-Family Housing (MFH) reserve accounts in supervised bank accounts. RD Instruction 2018-D provides the procedures Servicing Officials should follow in ordering loan and grant disbursements. (a) Borrowers as referred to in this instruction include both loan and grant recipients.
    [Show full text]
  • (EFT)/Automated Teller Machines (Atms)/Other Electronic Termi
    Page 1 of 1 Effective as of 11/23/18 Information About Your Ulster Savings Bank Money Market Account Balance to Open Your Money Market Account must be opened with a minimum deposit of $2,500.00 Balance to Earn Interest If your daily balance is less than $2,500.00, you will earn the Interest Rate and Annual Percentage Yield in effect, as disclosed to you under separate cover, on the entire balance in your account. If your daily balance is $2,500.00 or more you will earn the higher Interest Rate and Annual Percentage Yield in effect, as disclosed to you under separate cover, on the entire balance in your account. Balance to Avoid Fees Your daily balance for every day of the statement cycle period must be at least $2,500.00 to avoid the imposition of a maintenance fee for that period. Variable Rate Features This is a variable rate account. Your Interest Rate and Annual Percentage Yield may change. The Interest Rate is set based on the Bank's discretion and may change at any time at the Bank's discretion. Interest Computation We use the daily balance method to calculate interest on your account. This method applies a periodic rate to the balance in the account each day. Compounding Period Interest compounds on your account daily, using a 365/360 interest factor. Interest Accrual Interest begins to accrue on the business day you deposit non-cash items, such as checks. Although your account may earn interest each day, you may not withdraw the earnings until the end of the interest crediting period (see Payment of Interest).
    [Show full text]
  • World Bank: Roadmap for a Sustainable Financial System
    A UN ENVIRONMENT – WORLD BANK GROUP INITIATIVE Public Disclosure Authorized ROADMAP FOR A SUSTAINABLE FINANCIAL SYSTEM Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized NOVEMBER 2017 UN Environment The United Nations Environment Programme is the leading global environmental authority that sets the global environmental agenda, promotes the coherent implementation of the environmental dimension of sustainable development within the United Nations system and serves as an authoritative advocate for the global environment. In January 2014, UN Environment launched the Inquiry into the Design of a Sustainable Financial System to advance policy options to deliver a step change in the financial system’s effectiveness in mobilizing capital towards a green and inclusive economy – in other words, sustainable development. This report is the third annual global report by the UN Environment Inquiry. The first two editions of ‘The Financial System We Need’ are available at: www.unep.org/inquiry and www.unepinquiry.org. For more information, please contact Mahenau Agha, Director of Outreach ([email protected]), Nick Robins, Co-director ([email protected]) and Simon Zadek, Co-director ([email protected]). The World Bank Group The World Bank Group is one of the world’s largest sources of funding and knowledge for developing countries. Its five institutions share a commitment to reducing poverty, increasing shared prosperity, and promoting sustainable development. Established in 1944, the World Bank Group is headquartered in Washington, D.C. More information is available from Samuel Munzele Maimbo, Practice Manager, Finance & Markets Global Practice ([email protected]) and Peer Stein, Global Head of Climate Finance, Financial Institutions Group ([email protected]).
    [Show full text]
  • Personal Deposit Account Agreement and Schedule of Fees Effective
    Personal Deposit Account Agreement and Schedule of Fees Effective: September 15, 2021 TABLE OF CONTENTS AGREEMENT FOR YOUR ACCOUNT ..................................................................................... 5 Account Funding .................................................................................................................................................................. 5 Changes to This Agreement ................................................................................................................................................ 5 Closing an Account .............................................................................................................................................................. 5 Compliance with Laws and Regulations .............................................................................................................................. 5 Financial Information ........................................................................................................................................................... 6 General Use of Credit File Information ................................................................................................................................ 6 Governing Law .................................................................................................................................................................... 6 Information You Give Us ....................................................................................................................................................
    [Show full text]
  • Pension-System Typology
    ISBN 92-64-01871-9 Pensions at a Glance Public Policies across OECD Countries © OECD 2005 PART I Chapter 1 Pension-system Typology PENSIONS AT A GLANCE – ISBN 92-64-01871-9 – © OECD 2005 21 I.1. PENSION-SYSTEM TYPOLOGY There have been numerous typologies of retirement-income systems. The terminology used in these categorisations has become very confusing. Perhaps the most commonly- used typology is the World Bank’s “three-pillar” classification (World Bank, 1994), between “a publicly managed system with mandatory participation and the limited goal of reducing poverty among the old [first pillar]; a privately managed mandatory savings system [second pillar]; and voluntary savings [third pillar]”. But this is a prescriptive rather than a descriptive typology. Subsequent analysts have allocated all public pension programmes to the first pillar. This has included earnings-related public schemes, which certainly do not meet the original definition of the first pillar. The most recent addition is the concept of a “zero pillar”, comprising non-contributory schemes aimed at alleviating poverty among older people. But this is rather closer to the original description of a first pillar. The OECD has developed a taxonomy that avoids the concept of pillars altogether. It aims, instead, for a global classification for pension plans, pension funds and pension entities that is descriptive and consistent over a range of countries with different retirement-income systems (OECD, 2004). The approach adopted here follows this line. It is based on the role and objective of each part of the pension system. The framework has two mandatory tiers: a redistributive part and an insurance part.
    [Show full text]
  • AUTOMATED TELLER MACHINE (Athl) NETWORK EVOLUTION in AMERICAN RETAIL BANKING: WHAT DRIVES IT?
    AUTOMATED TELLER MACHINE (AThl) NETWORK EVOLUTION IN AMERICAN RETAIL BANKING: WHAT DRIVES IT? Robert J. Kauffiiian Leollard N.Stern School of Busivless New 'r'osk Universit,y Re\\. %sk, Net.\' York 10003 Mary Beth Tlieisen J,eorr;~rd n'. Stcr~iSchool of B~~sincss New \'orl; University New York, NY 10006 C'e~~terfor Rcseai.clt 011 Irlfor~i~ntion Systclns lnfoornlation Systen~sI)epar%ment 1,eojrarcl K.Stelm Sclrool of' Busir~ess New York ITuiversity Working Paper Series STERN IS-91-2 Center for Digital Economy Research Stem School of Business Working Paper IS-91-02 Center for Digital Economy Research Stem School of Business IVorking Paper IS-91-02 AUTOMATED TELLER MACHINE (ATM) NETWORK EVOLUTION IN AMERICAN RETAIL BANKING: WHAT DRIVES IT? ABSTRACT The organization of automated teller machine (ATM) and electronic banking services in the United States has undergone significant structural changes in the past two or three years that raise questions about the long term prospects for the retail banking industry, the nature of network competition, ATM service pricing, and what role ATMs will play in the development of an interstate banking system. In this paper we investigate ways that banks use ATM services and membership in ATM networks as strategic marketing tools. We also examine how the changes in the size, number, and ownership of ATM networks (from banks or groups of banks to independent operators) have impacted the structure of ATM deployment in the retail banking industry. Finally, we consider how movement toward market saturation is changing how the public values electronic banking services, and what this means for bankers.
    [Show full text]
  • Cheque Collection Policy
    CHEQUE COLLECTION POLICY 1. Introduction 1.1. Collection of cheques, deposited by its customers, is a basic service undertaken by the banks. While most of the cheques would be drawn on local bank branches, some could also be drawn on non-local bank branches. 1.2. With the objective of achieving efficiencies in collection of proceeds of cheques and providing funds to customers in time and also to disclose to the customers the Bank's obligations and the customers' rights, Reserve Bank of India has advised Banks to formulate a comprehensive and transparent Cheque Collection Policy (CCP) taking into account their technological capabilities, systems and processes adopted for clearing arrangements and other internal arrangements. Banks have been advised to include compensation payable for the delay in the collection of cheques in their Cheque Collection Policy. 1.3. This collection policy of the Bank is a reflection of the Bank’s on-going efforts to provide better service to their customers and set higher standards for performance. The policy is based on principles of transparency and fairness in the treatment of customers. The bank is committed to increased use of technology to provide quick collection services to its customers. 1.4. This policy document covers the following aspects: 1.5. Collection of cheques and other instruments payable locally, at centers within India and abroad. 1.6. Bank’s commitment regarding time norms for collection of instruments. 1.7. Policy on payment of interest in cases where the bank fails to meet time norms for realization of proceeds of instruments. 1.8.
    [Show full text]
  • Fraud and Abuse Online: Harmful Practices in Internet Payday Lending the Pew Charitable Trusts Susan K
    A report from Oct 2014 Report 4 in the Payday Lending in America series Fraud and Abuse Online: Harmful Practices in Internet Payday Lending The Pew Charitable Trusts Susan K. Urahn, executive vice president Travis Plunkett, senior director Project team Nick Bourke, director Alex Horowitz Walter Lake Tara Roche External reviewers The report benefited from the insights and expertise of the following external reviewers: Mike Mokrzycki, independent survey research expert; Nathalie Martin, Frederick M. Hart chair in consumer and clinical law at the University of New Mexico; and Alan M. White, professor of law at the City University of New York. These experts have found the report’s approach and methodology to be sound. Although they have reviewed the report, neither they nor their organizations necessarily endorse its findings or conclusions. Acknowledgments The small-dollar loans project thanks Pew staff members Steven Abbott, Dan Benderly, Hassan Burke, Jennifer V. Doctors, David Merchant, Bernard Ohanian, Andrew Qualls, Mark Wolff, and Laura Woods for providing valuable feedback on the report, and Sara Flood and Adam Rotmil for design and Web support. Many thanks also to our other former and current colleagues who made this work possible. In addition, we would like to thank the Better Business Bureau for its data and Tom Feltner of the Consumer Federation of America for his comments. Finally, thanks to the small-dollar loan borrowers who participated in our survey and focus groups and to the many people who helped us put those groups together. For further information, please visit: pewtrusts.org/small-loans 2 Cover photo credits: 1 3 1.
    [Show full text]
  • Interbank GIRO Is an Automated Payment Service Which Allows You to Make Monthly Payment to Your ICBC Credit Card Account from Your Designated Bank Account Directly
    Interbank GIRO Frequently Asked Questions: 1. What is Interbank GIRO? Interbank GIRO is an automated payment service which allows you to make monthly payment to your ICBC Credit Card account from your designated bank account directly. The amount will be deducted from your designated bank account and paid to ICBC every month. All you need to do is to ensure that the designated bank account has sufficient funds every month. 2. What is the benefit of using Interbank GIRO? Interbank GIRO is a convenient, paperless and cashless payment method. It enables you to make hassle-free monthly payments to ICBC through your designated bank account. There are also no fees charged for the setup. 3. Are there any additional charges for signing up for Interbank GIRO? There are no fees charged for the setup of Interbank GIRO. 4. How can I apply for Interbank GIRO? Simply fill up the Interbank GIRO form, and submit to Credit Card Department. 5. Which banks can I use for Interbank GIRO? You can use any bank that supports Interbank GIRO. 6. How long is the Interbank GIRO application Processing Time? Interbank GIRO applications may take up to 60 days to process, including the processing time required by the deducting bank. We will notify you of your application status as soon as possible. 7. How do I submit the Interbank GIRO form to ICBC Credit Card Department? You can mail the duly signed Original Interbank GIRO form to ICBC Credit Card Department by using the Business Reply Service Envelope attached. Please do not fax the Interbank GIRO form or email the scanned copy of the Interbank GIRO form as the designated bank requires the original signature for verification.
    [Show full text]
  • Impact of Automated Teller Machine on Customer Satisfaction
    Impact Of Automated Teller Machine On Customer Satisfaction Shabbiest Dickey antiquing his garden nickelising yieldingly. Diesel-hydraulic Gustave trokes indigently, he publicizes his Joleen very sensuously. Neglected Ambrose equipoising: he unfeudalized his legionnaire capriciously and justly. For the recent years it is concluded that most customers who requested for a cheque book and most of the time bank managers told them to use the facility of ATM card. However, ATM fees have achievable to discourage utilization of ATMs among customers who identify such fees charged per transaction as widespread over a period of commonplace ATM usage. ATM Services: Dilijones et. All these potential correlation matrix analysis aids in every nigerian banks likewise opened their impacts on information can download to mitigate this problem in. The research study shows the city of customer satisfaction. If meaningful goals, satisfaction impact of on automated customer loyalty redemption, the higher than only? The impact on a positive and customer expectations for further stated that attracted to identify and on impact automated teller machine fell significantly contributes to. ATM service quality that positively and significantly contributes toward customer satisfaction. The form was guided the globe have influences on impact automated customer of satisfaction is under the consumers, dissonance theory explains how can enhance bank account automatically closed. These are cheque drawn by the drawer would not yet presented for radio by the bearer. In other words, ATM cards cannot be used at merchants that time accept credit cards. What surprise the challenges faced in flight use of ATM in Stanbic bank Mbarara branch? Myanmar is largely a cashbased economy.
    [Show full text]
  • When Are KYC Requirements Likely to Become Constraints on Financial Inclusion?
    Identifying and Verifying Customers: When are KYC Requirements Likely to Become Constraints on Financial Inclusion? Alan Gelb and Diego Castrillon Abstract Onerous KYC documentation requirements are widely recognized as a potential constraint to full financial inclusion. However, it is sometimes difficult to judge the extent to which this constraint is a serious or binding one, relative to the many other factors that can limit access to finance or demand for financial services. The paper considers this question, distinguishing between different types of documentation and different financial market segments according to their KYC requirements. Using data from several sources it then looks at cross-country patterns which provide some suggestive evidence on the conditions under which particular requirements are more or less likely to pose serious constraints. It concludes with policy suggestions, including on the use of technology to help ease the burden of documentary requirements while still maintaining financial integrity. Keywords: documentation, identification, financial inclusion, KYC JEL: G210, G230, G280, L510, O160, O310, O500 Working Paper 522 December 2019 www.cgdev.org Identifying and Verifying Customers: When are KYC Requirements Likely to Become Constraints on Financial Inclusion? Alan Gelb Center for Global Development Diego Castrillon Center for Global Development We gratefully acknowledge very helpful comments from Mike Pisa, Liliana Rojas-Suarez, Albert van der Linden, Masiiwa Rusare and an anonymous referee. We also thank the GSMA for permission to use graphics from their studies. The Center for Global Development is grateful for contributions from the Bill & Melinda Gates Foundation in support of this work. Alan Gelb and Diego Castrillon, 2019.
    [Show full text]
  • Designing a Sustainable Digital Bank Learning from the Digital Pioneers
    IBM Sales and Distribution Banking White Paper Executive Summary Designing a sustainable digital bank Learning from the digital pioneers In an era of unprecedented change, technology offers banking clients greater access to information than ever before. Out of this revolutionary advance, a new class of smarter and more demanding customers has emerged. In tandem, new financial players are moving quickly to offer new compelling digital services. As with every major change triggered by technological advancement, there are clear winners and those who are unable to adapt. Banks that embrace digitization have an opportunity to generate new business value and better engage with their customers. The surge of new entrants riding the digital wave Banking has traditionally been a conservative industry that enjoys rela- tively high barriers to entry due to regulations that restrain access for non-bank competitors. New digital technologies—driven by cloud, mobile, social and analytics—have drastically lower entry barriers. Regulators in many countries have also relaxed regulations to encourage innovations in the banking industry. As a result, many new all-digital financial services firms, unencumbered by older less agile systems are aggressively pursuing customers by addressing their needs in new and dis- tinct ways. For instance, Chinese internet giant Tencent created WeBank hoping to capitalize on its vast user base of microblogging and peer-to- peer chatting services. E-commerce leaders such as Tesco in Europe, Rakuten in Asia-Pacific and Walmart in the US have also entered the IBM Sales and Distribution Banking White Paper Executive Summary banking sector. Globally, entrepreneurs and even traditional ●● Model C, a digital bank subsidiary: Many banking innovators banks are creating digital-only banks or neobanks.
    [Show full text]