Florida Capital Bank Digital Banking System Upgrade
Last Updated August 11, 2025
Updates highlighted in yellow
At Florida Capital Bank, we're dedicated to empowering you with the best possible banking experience. That is why we are excited to announce an upgrade to our digital banking system, bringing you the latest technology and putting more powerful tools at your fingertips. This enhancement is live today, Monday, August 11, at 9:00 a.m.
STEP 1 - Log into the NEW Digital (Online) Banking
To access our new Digital Online Banking, visit our website (WWW.FLCB.com) and look for the login button. Then complete the steps below. NOTE: Any previous bookmark saved for your online banking will no longer be valid.
- On the login screen, use your current Username and click Login.
- The system will ask for your password, DO NOT use your current password.
Use a temporary password, which will be “X”- Temporary Password is X = login ID + last four of SSN/EIN
- Ex: If your login ID is jdoe and your SSN ends in 6789, then your temporary password will be jdoe6789
- Temporary Password is X = login ID + last four of SSN/EIN
- The system will have you set up a new password. When asked for you current password use the Temporary Password.
- The system will then walk you through an initial registration process, during which you will create three new security questions and answers.
- The system will then have you log into the New Digital Banking system for the first time. You may be asked to install Duo Mobile which is a second level of fraud protection.*
*Duo Mobile is an application that runs on your phone and helps you authenticate. Without it, you'll still be able to log in using a phone call or text message, but we strongly recommend that you use Duo Mobile to authenticate quickly and easily.
STEP 2 - Download the NEW Mobile Digital Banking App
On Monday, August 11, you will need to download the NEW FLCBank Mobile App, which will provide both personal and business mobile banking needs. You can find the app in the Google Play Store and the Apple App Store (The new App will be solid blue instead of white). Please make sure to uninstall/delete the old FLCBank Personal and Business apps from your devices. While it may take some time for the new app to appear in App Store search results, we recommend using your phone's built-in search function for quick access. Here are links to the New App.
We're committed to supporting you every step of the way. If you can't find the help you need within the FAQ section, please call us if you need immediate assistance.
CUSTOMER SERVICE
866.380.6222
Monday – Friday: 8 a.m. to 8 p.m. ET
Saturday and Sunday: 9 a.m. to 12 p.m. ET
FAQs - ABOUT THE NEW DIGITAL BANKING SYSTEM
At Florida Capital Bank, we're upgrading our essential banking system, or "banking core," which manages everything from opening accounts to servicing loans. This upgrade is part of our commitment to staying at the forefront of banking technology. It will allow us to better serve you by offering state-of-the-art digital and mobile banking experiences and delivering a more robust and feature-rich overall banking experience.
Florida Capital Bank is making a significant investment in our Digital Banking system to bring you more efficient and innovative digital banking tools. Get ready for a new, simplified look to your online banking, one mobile app for business and personal banking, and smoother integration of banking services. We’re looking forward to supplementing our services with additional features you’ve been asking for, such as:
- External Transfers: Easily manage funds between your FLCBank accounts and accounts at other financial institutions.
- Personal Wire Transfers: Initiate domestic wire transfers with greater ease.
- Mobile Wallet and Tap-to-Pay: Enjoy secure and convenient contactless payments using your mobile devices.
- Person-to-Person (P2P) Payments: Quickly and easily send and receive money with other individuals.
- Loan Payments: Make loan payments to your current loan with FLCBank from external accounts (accounts not held at Florida Capital Bank).
The upgrade will begin on Thursday, August 7, and conclude on Monday, August 11. All branches will be open at normal business hours on Thursday, August 7, Friday, August 8, and Monday, August 11. We will have a dedicated customer service number, 866-380-6222, Monday through Friday from 8 a.m. to 8 p.m. ET and Saturday and Sunday from 9 a.m. to 12 p.m. ET.
Current versions of major internet browsers are supported. While most browsers will allow you to access our new Digital Banking system, older versions may limit your ability to access some of the functions available. To ensure you get the most out of your Digital Banking experience, we recommend that you use the latest browsers.
To ensure you get the most from your floridacapitalbank.com experience, we recommend the following:
- Minimum browser requirements for desktop PCs, Windows 10 or higher operating system
- Chrome 56 or higher
- Firefox 51 or higher
- Edge (Windows 10 or higher)
- Your browser should support TLS version 1.2 or higher
- Minimum browser requirements for Mac OS version 10.9 or higher operating system
- Safari 10 or higher
- Chrome 56 or higher
- Your browser should support TLS version 1.2 or higher
- Minimum Requirements for Mobile Banking
- Apple iOS 16 or higher
- Android 9.0 or higher
- You will also need access to the Internet using the default browser(s) recommended by your mobile device or the latest FLCBank mobile banking app.
FAQs - ACCOUNTS AND FUNDS
Your bank account will stay the same. We consolidated a small number of our deposit bank accounts into new account types that closely match the features of the original account. If your account was consolidated, we've already notified you.
No. Your bank account number(s) will not change. We consolidated a few of our deposit product accounts into one of our new account types that closely match current account features.
No. The bank’s routing number will remain the same.
Yes. You will be able to access your funds by check or your NEW Debit card. However, please carry an alternative form of payment during the upgrade weekend in case of an unplanned disruption of service. Once you activate your new debit card, you will be able to use it to access funds from your account. If you have any problems using your NEW Debit card, please contact Customer Service at 866-380-6222.
Yes. Any account alerts that were set up in your online Banking account will not carry over after the upgrade. You will need to re-establish your alerts on or after Monday, August 11. We recommend that you log into your account after Monday, August 11 to review and confirm the setup of all alerts. This will ensure everything is functioning as intended.
No. The fee schedule and calculations will remain the same, but the settlement date will change for fees caused by an analysis deficit balance. These fees will be charged on the 15th of the next month following a monthly, quarterly, or annual settlement period.
Your loan number will not change. However, you will now see a dash and two digits at the end of your loan number, which is a code we are using for loans. Your current loan payment will be processed as normal. Any payments scheduled after Thursday, August 7, 6:00 p.m., through Sunday, August 10, will be processed on Monday, August 11, after 9:00 a.m.
Yes. All User profiles by account should transfer over. After the system upgrade, we recommend that you review all user accounts and service profiles for access accuracy. There may be instances where account profiles for alerts and recurring transactions don't carry over. We recommend that you log into your account after August 11 to review and confirm the setup of all alerts and recurring transactions. This will help ensure everything is functioning as intended.
Yes. Keeping your information secure and private is always our top priority. The system upgrade process will not compromise your safety or the safety of your information in any way.
Yes. Your funds will remain safe and secure. The FDIC fully insures all accounts for up to $250,000.
All Intuit/QuickBooks/Quicken users should create a data file backup and perform a final transaction download by Tuesday, August 5, to ensure your transaction history remains intact post-upgrade.
This upgrade will require that you make changes to your QuickBooks or Quicken software. There are two important Action Dates:
1st Action Date: Thursday, July 31
A data file backup and a final transaction download should be completed by Thursday, July 31. Please make sure to complete the final download before this date, since transaction history might not be available after the upgrade. Intuit product users are encouraged to download a QFX/QBO file during this upgrade as the following services may not work during the upgrade period:
- Quicken Win/Mac Express Web Connect/Quicken Connect
- QuickBooks Online (QBO) Aggregation
- Credit Karma
2nd Action Date: Monday, August 11
This is the action date for the remaining steps in the upgrade instructions. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.
Upgrade Instructions
Below are links to upgrade instructions, depending on the type of software that you use:
- Quicken – click here to download
- QuickBooks Desktop – click here to download
- QuickBooks Online – click here to download
Please carefully review your downloaded transactions after completing the upgrade instructions to ensure no transactions were duplicated or missed on the register.
FAQs - ONLINE AND MOBILE BANKING
Yes. Online and mobile access to your accounts will be offline starting Thursday, August 7, at 6:00 p.m. Please note the following service disruptions on accounts:
- Account balances: Balance will not update during the suspension time frame. Once the system upgrade is complete, account balances will update accordingly.
- Deposits: Deposits will be recorded prior to any withdrawals that are posted to your account during this suspension timeframe.
- BillPay: Payments scheduled before 6:00 p.m. on Thursday, August 7, will be processed as usual. Any payments scheduled after 6:00 p.m. on Thursday, August 7, through Sunday, August 10, will not be processed and will need to be rescheduled.
- Wires: Customers' online access to initiate wires will go offline on Thursday, August 7, at 5:00 p.m. Customers will be able to initiate wires through one of the branches on Friday, August 8, between 9:00a.m. and 4:00 p.m.
Our NEW Digital Banking System will go live on Monday, August 11, at 9 a.m., at which time you will be able to access your accounts. Our NEW digital banking service will have a different design, but you will experience a more robust and user-friendly system. If you haven’t logged into your account in the past 120 days, you will have to sign up as a new User.
Yes. Recurring or scheduled internal transfers with an effective date of August 7 or after August 11 should be processed as normal. Any recurring or scheduled internal transfers between August 8 and August 10 will not be processed and may need to be re-established. We strongly recommend that you review all recurring transfers after the upgrade to confirm the setup.
Yes. Any account alerts that were set up in your Online Banking account will not carry over after the upgrade. You will need to re-establish your alerts on or after Monday, August 11. We recommend that you log into your account after Monday, August 11 to review and confirm the setup of all alerts. This will ensure everything is functioning as intended.
Yes. All User profiles by account should transfer over. After the system upgrade, we recommend that you review all user accounts and service profiles for access accuracy. There may be instances where account profiles for alerts and recurring transactions don't carry over. We recommend that you log into your account after August 11 to review and confirm the setup of all alerts and recurring transactions. This will help ensure everything is functioning as intended.
Yes. On Monday, August 11, at 9 a.m., you will need to download the NEW FLCBank Mobile App, which now conveniently provides one single app for both your personal and business Mobile Banking needs. The new App will feature a solid blue background instead of white and can be found in the Google Play Store and the Apple App Store. Please make sure to uninstall or delete the old FLCBank Personal and Business apps from your devices. It is possible that the new App may not populate immediately in the search results on Monday, August 11, but we will post direct links to the new App on our website that day.
FAQs - WIRES
During the system upgrade, there will be temporary changes to how wire services operate. Please review the following key dates and times for both sending and receiving wires:
- Customers' online access to initiate wires will go offline on Thursday, August 7, at 5:00 p.m.
- You will be able to send wires on Friday, August 8, by contacting one of our branches between 9:00 a.m. and 4:00 p.m. There will be no charge for any branch-assisted wires on Friday, August 8.
- Please allow for extended hold times when calling into the branches for wire support on Friday, August 8, as well as extended wait times in-branch as our teams work diligently to assist all our customers through the upgrade process.
- Customers’ online access to the Wire system will be restored on Monday, August 11, after 9:00 a.m.
- Incoming wires will still be processed as normal during the transition to the new Digital Banking system. Please note that incoming wires during the upgrade weekend may experience delays in processing.
FAQs - DEBIT AND CREDIT CARDS
YES. You will receive a new Debit card, and your debit card number will change. Your new debit card(s) will be Contactless cards with tap-to-pay technology, which makes it fast, easy, and safe for you to pay for everyday purchases. We apologize in advance for any inconvenience, and we recommend you review the following tips, which will help you plan:
- You will receive your NEW Debit card between July 21, and August 6.
- Place these cards in a safe place! You can ACTIVATE and BEGIN USING YOUR NEW DEBIT CARD on Thursday, August 7.
- The activation number will be listed on your new debit card. This system is automated; you WILL NOT speak with a person. If you reach a live person, please hang up as you have reached the wrong number.
- You MUST set up a PIN on your new debit card. You can reuse your existing PIN number when you activate your new card.
- You will need to update any pre-authorized payments with merchants or other third parties with your new debit card number.
- Once you activate your new debit card, it can be used for Point-Of-Sale (POS) transactions and ATM withdrawals, with ATM withdrawals limited to a maximum of $500 per day.
- Debit card transaction limits will be based on your account balance as of 2:00 p.m. Thursday, August 7.
- Current account balances will NOT be available starting on Thursday, August 7, at 2:00 p.m. until Monday, August 11, after 9 a.m.
- We can’t issue debit cards to new customers or replacement cards between July 14 and August 11.
Yes. All debit card numbers will change. You will have to activate your new debit cards when they arrive. When you set up your PIN you can use the PIN you currently use on your old card or create a new PIN.
Yes. Since you are receiving a new debit card, you will need to establish a new PIN for it. You can use your current PIN, but you will need to establish that PIN when you activate your new debit card.
No. You will receive a NEW Debit Card.
YES. Once you activate your NEW Debit card, on Thursday, August 7 or after, it can be used for Point-Of-Sale (POS) transactions and ATM withdrawals, with ATM withdrawals limited to a maximum of $500 per day. You will have access to Presto! ATMs associated with Publix and the Pulse network ATMs are surcharge-free.
Your current limit should transfer to the New Digital Banking system. During the upgrade weekend, your limit will be based on your current account balance as of Thursday, August 7, at 2 p.m. If your withdrawal or purchase exceeds your balance, your transaction may be denied.
Your FLCBank credit card will not be affected by the system upgrade and may be used as normal.
FAQs – PAYMENTS AND TRANSFERS
ACH processing will stop on Thursday, August 7, at 6:00 p.m. and will pick back up on Monday, August 11, after 9:00 a.m.We are migrating templates for clients to the New Digital Banking system. If you have any problems accessing your templates, please contact Customer Service at 866-380-6222.
For clients utilizing ATI for ACH processing, operations will continue without interruption during the system upgrade.
No. If you currently utilize Online BillPay, any accounts and bills you have set up will not be converted to the new Digital Banking system. You will need to re-enroll in BillPay and set up eBills on your new digital online banking account on or after Monday, August 11. We apologize for any inconvenience this may cause.
- We recommend that you print screenshots of your eBill information from your current BillPay profile before July 23. If you need assistance with this, please contact us at 866-380-6222.
- Wednesday, August 6, is the last day to schedule payments on the current system.
- BillPay access will be disconnected on Thursday, August 7, at 6:00 p.m.
- Payments scheduled for Thursday, August 7, before 6:00 p.m. will be processed as usual.
- Any payments scheduled on Thursday, August 7, after 6:00 p.m. through Sunday, August 10, will not be processed and will need to be rescheduled.
Here's what you need to know about your BillPay service after the upgrade:
- The new BillPay service will be available to all customers with online banking.
- Existing BillPay users' payees and physical payments will not transfer over automatically.
- Recurring electronic payments will not be transferred. You'll need to re-enroll in BillPay and set up eBills in the new Digital online banking account on or after Monday, August 11.
- If you currently have any eBills established (automatic recurring payments initiated by a third-party), you will need to re-initiate those with the biller by visiting that company’s website.
FAQs – ACCOUNT TRANSACTION SERVICES
Yes. If you currently use our Positive Pay ACH and Check services, they will be offline from Thursday, August 7, at 6:00 p.m. until Monday, August 11, after 9:00 a.m. Templates for clients who load files are being migrated to the new Digital Banking system. If you have any problems accessing your templates, please contact Customer Service at 866-380-6222.
Yes. All Intuit/QuickBooks/Quicken users should create a data file backup and perform a final transaction download by Tuesday, August 5, to ensure your transaction history remains intact post-upgrade.
This upgrade will require that you make changes to your QuickBooks or Quicken software. There are two important Action Dates:
1st Action Date: Thursday, July 31
A data file backup and a final transaction download should be completed by Thursday, July 31. Please make sure to complete the final download before this date, since transaction history might not be available after the upgrade. Intuit product users are encouraged to download a QFX/QBO file during this upgrade, as the following services may not work during the upgrade period:
- Quicken Win/Mac Express Web Connect/Quicken Connect
- QuickBooks Online (QBO) Aggregation
- Credit Karma
2nd Action Date: Monday, August 11
This is the action date for the remaining steps in the upgrade instructions. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.
Upgrade Instructions
Depending on the type of software that you use, below are links to upgrade instructions:
- Quicken – click here to download
- QuickBooks Desktop – click here to download
- QuickBooks Online – click here to download
Please carefully review your downloaded transactions after completing the upgrade instructions to ensure no transactions were duplicated or missed on the register.
FAQs - CHECKS AND DEPOSIT SERVICES
Yes. You may still use your checks like normal. However, you must make sure you have sufficient funds in your account to cover any checks you write during the upgrade.
Yes. You may continue using your current checks like normal. The bank routing number and account numbers have not changed, so you do not need to order new checks.
No. Since your account number and the bank’s routing number are not changing, all current direct deposits or automatic drafts will continue to be processed normally. If the Direct Deposit or electronic payment is scheduled on or before Thursday, August 7, it will post. Any Direct Deposit or electronic payment scheduled between August 8 and August 10 will not post until Monday, August 11, after 9 a.m. We recommend that you log into your account on Monday, August 11, to review and confirm direct deposits. This will ensure everything is functioning as intended.
No, the bank’s routing number and your account numbers have not changed.
Yes. For our Remote Deposit customers, we're proactively starting your upgrade process. You can expect a call from us in mid-July to begin the upgrade. A good portion of your upgrade will be completed before August 7, and on Monday, August 11, we will call you to complete the final set-up steps. Please note that Remote Deposit Capture will be offline from August 7 at 6 p.m. until Monday, August 11, after 9 a.m.
FAQs - BANK STATEMENTS AND E-STATEMENTS
Yes. You will continue to receive periodic account statements as usual, though they will have a slightly different look. Rest assured, all complete transactions and balance information for your account will still be included. Going forward, account statements will be generated at the end of each month, with savings account statements generated at the end of each quarter
Yes. The New Digital Banking system will allow you to access eight months of account history and up to 24 months of statements.
No. If you receive statements electronically (e-Statements), through Online Banking, you'll continue to receive them through that service.
Yes. Monthly paper statements will still be provided for those who would like to receive them. We will also be offering an improved e-statement option with more storage and easier navigation.
We are available to Help
While our FAQs should answer most of your questions, please don't hesitate to call or visit your local branch if you have specific concerns. We're always happy to help!
JACKSONVILLE
Phone & Lobby Hours
904.407.4740
9:00 a.m. – 4:00 p.m.
Monday - Friday
10151 Deerwood Park Blvd
Building 100 Suite 200
Jacksonville, FL 32256
GAINESVILLE
Phone & Lobby Hours
352.692.5280
9:00 a.m. – 4:00 p.m.
Monday - Friday
ORLANDO
Phone & Lobby Hours
407.637.3740
9:00 a.m. – 4:00 p.m.
Monday - Friday
TAMPA
Phone & Lobby Hours
813.223.9040
9:00 a.m. – 4:00 p.m.
Monday - Friday
One Urban Centre
4830 West Kennedy Blvd.
Suite 730
Tampa, FL 33609