The North Riverside Branch location will remain the same. On February 24, 2025, the branch will officially convert to Capital Bank. Branch lobby hours are Monday through Thursday, 9:00am – 4:00pm (CT) and Friday, 9:00am – 5:00pm (CT). The drive-thru is open Monday through Friday from 9:00am – 5:00pm (CT). During this exciting transition, you can continue to expect the same high level of service you’ve come to know and trust over the years.

Important Information, please read:

• West Town Bank account(s) will be converting to Capital Bank accounts that closely align with existing West Town Bank accounts. For detailed information, please refer to the Disclosure and Terms for Consumer Accounts or Disclosure and Terms for Business Accounts available on the Integration Resource Pages. If you are not satisfied with the account(s) you have been transitioned into, we will be happy to explore other options with you. Adjustments to your account can be made before April 25, 2025.
• Telephone Banking has been discontinued. This decision was made because the systems in use at Capital Bank historically have not supported this service. Telephone Banking will be discontinued on February 21, 2025.  However, you will still have full access to your account information and services through the following alternatives:
  • Online Banking: Access your account 24/7 through our secure Online Banking platform.
  • Mobile Banking App: Manage your accounts on the go with our user-friendly mobile app.
  • Branch Services: Visit any of our convenient branch locations for personalized, in-person support.

If you have any questions, you can visit the North Riverside Branch, call Customer Connect at 833-901-0058 or email us at [email protected]. We will be happy to work with you to explore other options.

Your account number(s) will remain the same. In the rare instance where a change is necessary, you will receive a separate notification with detailed information and next steps. 

As of February 24, 2025, West Town Bank will adopt Capital Bank’s routing and ABA number which is 055003340. The current West Town Bank routing number 271971599 will remain active and continue to process transactions (such as direct deposits, automatic debits), for a period following the transition.

You will be notified separately when the exact end date for using the old routing number is confirmed. The exact timing of this notification has not been determined yet.

Proactive Tip: Because your account number isn’t changing, you can start updating your routing number for direct deposits and automatic ACH debits as early as February 24, 2025. Use Capital Bank’s routing number: 055003340.

For Incoming Wire Transfers, depending on how the sending financial institution processes wire transfers, the West Town Bank routing number may not be recognized, and will require the wire be transmitted using Capital Bank’s routing number: 055003340 and Incoming Wire Instructions.

Domestic Wire Instructions:

Credit (Receiving) Bank: Capital Bank NA

Bank Address: 2275 Research Blvd. Ste 600, Rockville, MD 20850

ABA/Routing #: 055003340

For Credit To (Beneficiary):

Account Name: (Capital Bank Account Name)

Account number: (Capital Bank Account Number)

Special instructions: (List any)

International Wire Instructions:

Correspondent (Intermediary) Bank: Pacific Coast Banker’s Bank

Address: San Francisco CA 94101

Swift Code: PCBBUS66

ABA/Routing Number: 121042484

Receiving (Beneficiary) Bank: Capital Bank NA

Address: 2275 Research Blvd. Ste 600, Rockville, MD 20850

ABA/Routing Number: 055003340

For Credit To (Beneficiary):

Beneficiary Name: (Capital Bank Account Name)

Beneficiary Account Number: (Capital Bank Account Number)

Capital Bank’s Routing and ABA number is 055003340.  

Yes, your existing West Town Bank checks will be honored for a period of time after transitioning to Capital Bank. When it’s time to reorder checks, your new supply will feature Capital Bank’s routing number (055003340). Simply contact Capital Bank at 833-901-0058 to place your first order.  Eventually, all customers will need to use checks with Capital Bank’s routing number. We will notify you in advance before the old routing number is retired, giving you plenty of time to prepare for the update. 

If you plan on continuing to order checks through a third-party provider, other than Capital Bank, please reach out to your local branch to get the details to ensure your checks meet the bank’s requirements. For Capital Bank branch locations visit capitalbankmd.com/locations.

Your direct deposits and automatic ACH debits will continue without interruption, and your account number will remain the same, as the existing West Town Bank routing number will remain active for a period of time after the transition.  

Eventually, West Town Bank’s existing routing number will change. When this takes place, we will notify you well in advance so you have plenty of time to make any necessary updates.  Proactive Tip: Because your account number isn’t changing, you can start updating your routing number for direct deposits and automatic ACH debits as early as February 24, 2025. Use Capital Bank’s routing number: 055003340. 

Important Information:  Once your data is converted, you will no longer have access to your previous online account statements and check images. We strongly recommend that you save or download any statements and check images before February 21st at 12:00pm ET/11:00am CT.  

Currently, there are no fees for paper statements. However, we encourage you to sign up for or re-enroll in electronic statements (eStatements). With eStatements, you can conveniently view your account activity and paid items online while choosing an eco-friendlier option. 

Depending on the type of deposit account you have, and if you maintain the daily required monthly balance, you may incur a service charge or fee.  View the details on monthly service charges by reviewing the Disclosures and Terms of Consumer Accounts or Disclosures and Terms of Business Accounts. 

Because we are transitioning, all service charges and fees will be waived for March and April. Applicable Service Charge Fees for February will be assessed on 02/21/2025.  

Yes, you will receive a new debit card before February 24, 2025. All new cards will be mailed to the primary mailing address associated with your account no later than February 10, 2025.

Important Information: Your new card will not be active until the transition is completed and will become available for use starting Monday, February 24, 2025. Until then, your current debit card will remain active. Do not use your new debit card until February 24.

Upon receiving your new card, activate it by February 24, 2025, by calling the toll-free number provided with the card and setting up your new PIN. Note that your new card will have a different card number and will require a new PIN.

After the February 24th, your old card will no longer be valid. To ensure security, please destroy your old card by cutting it into small pieces, including through the chip and magnetic stripe. 

Proactive Tip: If you have any recurring payments or charges associated with your old card number, please update them with your new card information. 

The new limits for debit cards are disclosed in the Electronic Fund Transfer (EFT) Services Agreement. They can also be found within the Consumer All-in-One Agreement and Disclosure or if you are a business owner, the Business All-in-One Agreement and Disclosure

There are no ATM fees when you use Capital Bank ATMs. This also includes all former West Town Bank ATMs.  Capital Bank is also part of the MoneyPass® Network, allowing you to access a wide network of ATMs without incurring additional fees. You can find participating ATMs by visiting https://www.moneypass.com/atm-locator.html. For any applicable fees, please refer to the Consumer All-in-One Agreement and Disclosure along with the Consumer Fee Schedule, or if you are a business owner, the Business All-in-One Agreement and Disclosure. These can also be accessed via the Integration Resource Page by visiting westtownbank.com/capital-bank.

During the transition weekend, from 2:00pm CT on February 21, 2025, to approximately 9:00am CT on February 24, 2025, your existing debit card will remain active for ATM withdrawals and point-of-sale (POS) transactions, subject to your current limits. ATM deposits and transfers will be temporarily unavailable during this period.   

After the transition is complete on February 24, 2025, your current card(s) will no longer be valid. By February 21, 2025, you should have received your new card(s) that can be activated and used beginning February 24, 2025. Please securely dispose of your old card by cutting it into small pieces, making sure to cut through both the chip and the magnetic stripe.  

You will be able to sign in to Capital Bank Online Banking using your current Westtown Online Banking ID on Monday, February 24.  Your current Online Banking Username/User ID will not change and should be used to log in.  Upon your first login, you will be prompted to enter a password, with the default password that will be provided to you by email.

You can access Online Banking by going to capitalbankmd.com. On the navigation bar on the right of the screen you will see “Login”.  Click Login and you will then choose Business Online Login or Personal Online Login.

Another option is to cut and paste the following URL:

• Business Online Banking: https://web13.secureinternetbank.com/ebc_ebc1151/Login/055003340
• Personal Online Banking: https://web13.secureinternetbank.com/pbi_pbi1151/login/055003340

Upon your first login, you will:

• Enter your existing West Town Bank User ID (that will not change)
• Then you’ll be prompted to enter a password, using the default password provided to you via email
• You will be asked to select and confirm a new password or will be asked to enable your token
• Once validated and confirmed, you will be able to access your account(s)

Capital Bank provides an Online Banking User Guide, available on the Integration Resource Pages at westtownbank.com/capital-bank. You can find it under the “Guide” section on both the Personal and Business Integration Resource Pages. The user guide is designed to be applicable for both personal and business online banking users. We recommend reviewing this guide as soon as possible to ensure a smooth transition.

To ensure a smooth transition during the deconversion process, please review the following steps and take action where necessary. We also encourage you to explore the demos and guides available under the “Guide” section on both the Personal and Business Integration Resource Pages at westtownbank.com/capital-bank to familiarize yourself with the process in advance.

• Contact Information & User Access
  • Verify that your contact information is accurate and up to date in the current system to avoid missing any important communications.
  • Your current Online Banking User ID will remain the same. Please make sure to write it down and store it in a secure location, as you will need it to access the new Online Banking system. For your security and to protect your account, we are unable to provide User IDs to anyone.   
  • Confirm that user access is properly set up for all services and payments your company requires.
  • Establish your new login credentials promptly once prompted.
  • If applicable, set up your mobile authentication app to facilitate online login. (See mobile Banking Section of FAQs for more information)

• Wire, ACH and Bill Pay
  • Review your Wire and ACH templates to ensure they are accurate and current.
  • Download and save your Wire and ACH templates as a .csv file, and store them securely on your computer for easy access during the conversion to Capital Bank’s Online Banking system.
  • Most bill payees will convert automatically; however, in the rare instance that they do not, record details of your recurring and non-recurring payees to ensure continuity.

• Statements and Transactions
  • Download copies of your current and past transactions to keep on file. This is important in case these records are no longer available after the transition.
  • After the conversion, you will no longer have access to previous account statements and check images. We strongly recommend downloading and saving these documents before February 21st at 12pm ET/ 11am CT.

Taking these steps now will help ensure a seamless experience as we transition to Capital Bank’s Online Banking system. Again, for additional resources, please view all of the guides available under the “Guide” section on both the Personal and Business Integration Resource pages at westtownbank.com/capital-bank.

Yes, your transaction data will be converted. You will then have 90 days of transaction data available to view in the new Online Banking system.

Important Information: Once your data is converted, you will no longer have access to your previous account statements and check images. However, in the case you do need access to these statements, please reach out to us at 833-901-0058. Proactive Tip: We strongly recommend that you save or download any statements and check images prior to 12:00pm ET/11:00am CT, February 21, 2025. 

Important Information: The security procedures for user access will change with the conversion.  Your login credentials and instructions for accessing Online Banking will be sent via email.  Upon your first login to the new Online Banking system you will be prompted to agree to the updated security procedures. A new digital soft token will still be required to approve wire and ACH payments.

Important Information: The new Online Banking system uses a different bill pay provider. Payments with a “deliver by” date of Thursday, February 27, 2025, will still process but won’t appear in the new system.  Proactive Tip: Please record your recurring and non-recurring payees, as they will convert to the new system. Recurring payments won’t transfer and must be rescheduled, with the last payment date no later than Friday, February 21, 2025. 

Important Information: If you currently use the single or recurring payment options to pay a person or another financial institution, these features will no longer be available after Friday, February 21, 2025.  To continue making transfers to a person or another financial institution, once you are in the new Online Banking system, you will need to set up these payments as a “Pay a Person” or “Pay a Company” option under the “Add a Bill” tab in the new bill pay system. We recommend reviewing your recurring payment options and printing/saving any records you may need before 12:00pm ET/11:00am CT, Friday, February 21, 2025.

Important Information: Your payment history will not transfer to the new system. We recommend reviewing your current payment history and printing/saving any records you may need before 12:00pm ET/11:00am CT, Friday, February 21, 2025.

Your account will be charged the same day the biller receives the funds for your payment.

Yes. Your new Capital Bank mobile app includes Mobile Banking and Mobile Check Deposit features. You can check balances, view history, transfer funds, pay bills, set up alerts, and more.

• To get started, you should download the new apps: 
  • For the Personal Mobile App: 
    • Download the Capital Bank Mobile App from the App Store:  https://itunes.apple.com/us/app/capital-bank-mobile/id650810349?ls=1&mt=8 
    • Download the Capital Bank Mobile App from the Google Play Store: https://play.google.com/store/apps/details?id=com.cb.mobile.
    • Log in with your existing Personal Online Banking credentials.

• • For the Business Mobile App: 
    • Download the Capital Bank Mobile Business App from the App store: https://apps.apple.com/us/app/capital-bank-mobile-business/id1051033665
    • Download the Capital Bank Mobile Business App from the Google Play Store:
    • https://play.google.com/store/apps/details?id=com.capitalbankmd.biz&hl=en
    • Log in with your existing Business Online Banking credentials

Capital Bank offers mobile banking services for business deposit accounts, including balance checks, account history, fund transfers, bill payments, alerts, and approvals for wire and ACH transactions.  The Business Mobile Check Deposit feature is available through a separate app with different login credentials. Relevant users will be contacted directly with instructions for access.  Below are the links to access Capital Bank Mobile Deposit: 

• Capital Bank Mobile Deposit via Apple Store: https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewSoftware?id=1080806703&mt=8
• Capital Bank Mobile Deposit in Google Play (open in Chrome to view):  https://play.google.com/apps/publish/?dev_acc=10655242761595874983#MarketListingPlace:p=com.capitalbank.capbkdeposit

For personal banking customers, the ability to make mobile check deposits will be available through the Capital Bank Mobile App. You can download the app from the following stores: 

• App Store: https://apps.apple.com/us/app/capital-bank-mobile/id650810349?Is=1
• Google Play Store: https://play.google.com/store/apps/details?id=com.cb.mobile

For our business customers, you will receive a separate email with your login credentials and detailed instructions on how to make mobile deposits or use a check scanner.

Yes, your current scanners are compatible with the new Remote Deposit software, so no new scanner will be required. Additionally, we will provide separate communications regarding training and setup. Each customer will receive personalized assistance to ensure a smooth transition, as scanner compatibility, workstation configurations, and software updates or installations may vary. In a rare instance where you will need a new scanner, we will contact you directly. If you require assistance, please email our remote deposit team at [email protected], and someone will reach out to address your needs.

Important Information: Your West Town Bank wire and ACH templates, payee information and transaction history will not be transferred to the new Online Banking system. To ensure a smooth transition, please take the following steps: 

• Download and Save Templates 
  • Export your Wire and ACH templates to a .csv file and save it in a secure location on your computer before 12:00pm ET/11:00am CT, February 21, 2025. This will help you easily recreate your templates in the new Online Banking system. 
• Rebuild Templates and Transactions
  • You will need to rebuild your Wire and ACH templates in the new Online Banking system.
  • Recurring or future-dated Wire and ACH transactions must also be recreated in the new system. 
• User Ids
  • Your current Online Banking ID will remain the same. Please make sure you write it down and store it in a secure location, as you will need it to access the new Online Banking system. For your security and to protect your account, we are unable to provide User IDs to anyone 

Proactive Tip: We recommend completing these steps as soon as possible to avoid disruptions during the transition. 

You will need to recreate any recurring or future-dated wire or ACH transactions in the new Online Banking platform. We recommend noting all scheduled dates in your current system and updating them in the new platform when you log in for the first time. 

The Standard cut off times for Wires, Deposits, ACH, Positive Pay Decisions and Transfers, Monday — Friday (excluding federal holidays) are as follows:    

• ATM Deposits (at applicable locations): 5pm ET; 4pm CT 
• Online Account Transfers: 6pm ET; 5pm CT 
• Standard ACH for Business Customers: 5pm ET; 4pm CT  
• Outgoing Domestic Branch Wire: 4pm ET; 3pm CT   
• Outgoing Domestic Online Wire: 5pm ET; 4pm CT  
• Outgoing International Wire: 3:30pm ET; 2:30pm CT  
• Incoming Wire: 6pm ET; 5pm CT   
• Remote Deposit Capture: 6pm ET; 5pm CT  
• Business Mobile Deposit: 6pm ET; 5pm CT  
• Retail Mobile Deposit: 5pm ET; 4pm CT  
• Check Positive Pay Decisions: 1pm ET; 12pm CT  
• ACH Positive Pay Decisions: 1pm ET; 12pm CT  

The Positive Pay portal is available within the Online Banking system. The file format currently used for your upload will be compatible with the new system.  Please verify that your file includes the following standard field names:  

• Check Number 
• Payee 
• Check Amount 
• Date 

Additionally, please be aware that the cut-off time for making a decision is 1pm ET; 12pm CT.  For further details, refer to Positive Pay User Guide, which can be found on the Integration Updates page. 

Existing user profiles, limits, and permissions will be carried over to the new Online Banking system. However, administrative controls, limits, and permissions will function differently in the new system. Please contact us if you have any questions or need assistance. 

Your loan terms will remain unchanged. In the unlikely event that any adjustments are required, you will receive a separate notice detailing the changes. If you have not been notified of any updates, rest assured that your loan(s) will remain as they are. 

The process for viewing loan information and making payments through the Online Banking system will remain unchanged. If there are any updates to the way you view and pay your current loan(s), we will notify you through a separate communication.

Customers who need a means to make loan payments from a deposit account that is external to the Bank will have the option to use Capital Bank’s Online Loan Payment System:

Bill Matrix (https://paybill.com/consumer/?ClientId=capitalbankmd).