Frequently asked
questions.

Opening an account takes under 2 minutes. Click “Open Account” on any page, provide your basic details and a government-issued ID, and your account is active immediately. No minimum deposit required.

Yes. Atlantic Capitals is a federally chartered bank and all deposits are insured by the FDIC up to $250,000 per depositor, per account category. Your money is protected even in the unlikely event of bank failure.

No. Atlantic Capitals charges zero monthly maintenance fees on personal and business checking accounts. There are no minimum balance requirements and no charges for standard domestic transactions.

Sign in to your dashboard, select “Transfer,” and enter the recipient details. Domestic transfers settle in real time. International transfers to most countries settle within 1–2 business days with real exchange rates and zero hidden markup.

Yes. Your Atlantic Capitals account is fully accessible anywhere in the world via our web platform and mobile app. There are no foreign transaction fees on debit card purchases, and you can send or receive international transfers in 40+ currencies.

From your dashboard, open the “Investments” section and choose from stocks, ETFs, managed portfolios, IRAs, or crypto. Everything is zero-commission. Our licensed advisors are available 24/7 if you need guidance.

We use 256-bit TLS encryption, biometric and two-factor authentication, real-time fraud monitoring, and automatic session timeouts. All sensitive data is stored in encrypted vaults and never shared with third parties.

Yes. You can open multiple account types under a single login — personal checking, savings, business checking, and investment accounts are all accessible from one dashboard.

Visit the login page at secure.atlanticcapitals.com and click “Forgot Password.” You’ll receive a reset link by email and SMS. For security, password resets require identity verification.

No. Investment products are not FDIC-insured and returns are not guaranteed. Past performance does not guarantee future results. All investments carry risk and may lose value. Please review our full investment disclosure before investing.