Open a PAC Bank Account in Hours with Zero Deposit Caps

Capital Bank provides specialized treasury and banking services for all recognized political committees, including:

• Political Action Committees (PACs), Super PACs, Hybrid PACs, Leadership PACs, and Separate Segregated Funds (SSFs)
• Candidate Campaign Committees (Federal, State, and Local)
• 527 Organizations, 501(c)(4) advocacy groups, and Issue Advocacy Committees
• Political Party Committees and Joint Fundraising Committees

Mainstream commercial banks rely on software that mandates state-issued corporate charters, which rejects federal political filings. Capital Bank’s onboarding team verifies federal entities directly through the FEC database using your FEC Statement of Organization (Form 1). Once your Employer Identification Number (EIN) is matched to your Form 1, accounts and routing numbers go live on the same business day, allowing you to immediately connect digital fundraising platforms like WinRed, Anedot, or ActBlue.

If you are newly forming a committee, our political relationship officers can guide you through the setup process step-by-step. To open an account, you will simply need:

1. Your committee’s federal Employer Identification Number (EIN) from the IRS.
2. Your filed FEC Statement of Organization (Form 1).
3. Information on your Connected Organization (if establishing a Separate Segregated Fund).
4. Government-issued Identification for the treasurer and authorized signers.

Standard commercial bank algorithms expect linear, year-round corporate revenues and flag sudden end-of-quarter donor spikes or major outbound media wires as high-risk anomalies. Capital Bank’s fraud detection systems are calibrated specifically for non-linear campaign cash flows, ensuring your account remains active during crucial fundraising drives without triggering automated freezes.

Because political committees publish exact cash balances and vendor disbursements in public FEC filings, they are frequent targets for counterfeit checks and unauthorized debits. Capital Bank embeds automated treasury controls into every committee account:

• Automated Positive Pay: Cross-checks presented physical checks against your authorized issuance log in real time to block altered or counterfeit checks instantly.
• ACH Whitelisting & Filtering: Locks down electronic withdrawals so only pre-approved vendor IDs (such as your compliance firm or merchant processor) can execute debits.
• Dual-Control Release Pathways: Customizable approval workflows requiring secondary director authorization before high-dollar wires clear.

Capital Bank provides unrestricted scaling with zero deposit caps on Remote Deposit Capture (RDC), eliminating legacy multi-day holds on large donor checks. Checks scanned before 6:00 PM EST receive next-day fund availability, allowing your team to deploy capital into voter contact and media buys immediately.

Through our IntraFi Cash Service (ICS) sweep network, excess balances above $250,000 are automatically distributed across a network of secure, FDIC-insured institutions. Your committee receives full federal deposit protection on multi-million dollar reserves while maintaining daily liquidity, one point of contact, and a single consolidated statement for effortless FEC reporting.

Instead of forcing you into automated call centers or general 1-800 retail queues, Capital Bank provides direct access to dedicated senior political bankers. Your team works directly with experts who understand campaign urgency, extended wire cutoffs, and the strict demands of the FEC calendar.