We’re making this improvement as part of our ongoing commitment to innovation, security, exceptional service, and to ensure we’re your community bank for generations to come.
Banking With SanCap Bank Is About To Get Even Better!
Starting Monday, February 16!
Banking System Conversion Timeline
| Monday , Feb 9 |
Tuesday , Feb 10 |
Wednesday , Feb 11 |
Thursday , Feb 12 |
Friday , Feb 13 |
Saturday , Feb 14 |
Sunday , Feb 15 |
Monday , Feb 16 |
|
|---|---|---|---|---|---|---|---|---|
| Branches | Open Normal Hours | Open Normal Hours | Open Normal Hours | Open Normal Hours with limited services | Open Normal Hours with limited services | Closed | Closed | Closed for President's Day |
| Live Phone Support | Available 9am-4pm | Available 9am-4pm | Available 9am-4pm | Available 9am-7pm | Available 9am-5pm | Available 9am-1pm | Unavailable | Available 9am-4pm |
| SanCap Bank ATMs | Available | Available | Available | Available | Available with limited functionality | Available with limited functionality | Available with limited functionality | Available with limited functionality |
| Personal Online Banking | Available | Available | Available | Inquiry mode at 4pm (view accounts only) |
Unavailable | Unavailable | Unavailable | New personal online banking available at 8am! |
| Personal Mobile Banking | Available | Available | Available | Unavailable at 4pm (Mobile deposits unavailable at 2pm) |
Unavailable | Unavailable | Unavailable | New personal mobile banking available at 8am! |
| Business Online Banking | Available | Available | Available | Unavailable at 4pm (no inquiry mode available) |
Unavailable | Unavailable | Unavailable | New business online banking available 8am |
| Business Mobile Banking | Available | Available | Available | Unavailable at 4pm | Unavailable | Unavailable | Unavailable | New business mobile banking available at 8am! |
| ACH Origination | Available | Available | Available | Unavailable at 4pm | Unavailable | Unavailable | Unavailable | Items will be processed on Tuesday 2/17 |
| Wire Transfers | Available | Available | Available | Unavailable at 4pm | Unavailable | Unavailable | Unavailable | Items will be processed on Tuesday 2/17 |
| Positive Pay | Available | Available | Available | Unavailable at 4pm | Unavailable | Unavailable | Unavailable | Items will be processed on Tuesday 2/17 |
| Remote Deposit Capture | Available | Available | Available | Unavailable at 4pm | Unavailable | Unavailable | Unavailable | Items will be processed on Tuesday 2/17 |
| Bill Pay | Unavailable starting at 9am until Monday 2/16 (payments will continue to process until 2/13) |
Unavailable until Monday 2/16 | Unavailable until Monday 2/16 | Unavailable until Monday 2/16 | Unavailable until Monday 2/16 | Unavailable until Monday 2/16 | Unavailable until Monday 2/16 | Unavailable until Monday 2/16 (due to holiday payments will process 2/17 |
| Zelle | Unavailable until Tuesday 2/17 | Unavailable until Tuesday 2/17 | Unavailable until Tuesday 2/17 | Unavailable until Tuesday 2/17 | Unavailable until Tuesday 2/17 | Unavailable until Tuesday 2/17 | Unavailable until Tuesday 2/17 | Available Tuesday 2/17 |
| All Debit Cards | Available | Available | Available | Available | Available | Available | Available | Available |
Business Banking Resources
Intuit Conversion Guides
Tutorial Videos for Business Customers
ACH Update
Admin Update
Positive Pay
Wires
Business Banking FAQs
Your user ID will likely remain the same, but you will need to establish a new password. You will also need to set multifactor authentication (by email, text, or third-party app). Tokens will no longer be required for sign in.
Yes – when you’re ready to log in to the new system for the first time you can log into either online banking or the mobile app. Both will allow you to log in with your existing username and establish a new password using the last four digits of your social security number.
No – your current debit card and PIN will continue to work during and after the upgrade. When your current debit card expires a new card will be sent to you via mail.
Yes – Bill Pay will be unavailable beginning Feb. 9 at 9AM. See below for more information:
- Bill Pay will be unavailable beginning Monday, Feb. 9 at 9am until Monday, Feb. 16.
- Prior to Monday, Feb. 9, schedule any bill payments you need to make through Tuesday, Feb. 17 to ensure they’re not late.
- Bill payments scheduled through Friday, Feb. 13 will be processed in the current Bill Pay system.
- Payments scheduled after Friday, Feb. 13 will be processed through the new Bill Pay system starting on Tuesday, Feb. 17.
- The new Bill Pay system will not be accessible until Tuesday, Feb. 17.
- Prior to the current system going offline on Monday, Feb. 9, you may want to download or print your bill pay history.
No – the existing mobile app will not work after the upgrade. You will need to download the new app beginning on 2/16.
Yes – current internal transfers will automatically convert to the new system. However, we encourage you to review all your internal transfers on 2/17 for accuracy.
If you have ACH templates established, they will automatically transfer to the new system. Date options have changed so please review the default payment schedule to ensure no adjustments need to be made.
Yes – you will be able to access the last 2 years of transactions.
Not right now but Zelle for Business is coming.
If you use a remote deposit capture scanner after February 17 there will be temporary changes to your mobile deposit limits. You may receive an email from us informing you that you’ve exceeded your limits and the transaction is in review. In that instance, you do not need to take any action. Your deposit WILL still be processed on time.
FAQs
- New system goes live on Monday, February 16 (President’s Day)
- We’re closed that day, but we’ll have phone support phone from 9am-4pm to answer questions.
- An easier, more intuitive and streamlined banking experience
- Better security
- Innovative features you need and want
- An improved experience, with the same community bank you love.
- Phone – 239-472-6100
- Email – reach out to your favorite SanCap Banker
- Online – make sure to bookmark our upgrade resource page – https://sancapbank.com/new-banking/
- Improved digital tools
- Expect a more user-friendly, consistent online and mobile banking experience with enhanced security features.
- New features
- Create customized dashboards
- View all accounts in one place
- Use advanced debit card controls including tap to pay
- Set travel notices
- Access built-in chat support
- There will be some brief service interruptions starting Feb. 12 through Feb. 15
- A complete timeline can be found on the upgrade resource page – https://sancapbank.com/new-banking/
- Existing debit cards and pins will continue to work during and after the upgrade.
- Stay informed: Keep an eye out for regular communications from us and bookmark our Upgrade Resource webpage with the most up to date information – https://sancapbank.com/new-banking/
- Ensure your current mailing address, email, and phone number are on file with us.
- Review your scheduled payments:
- Bill Pay will be unavailable beginning Feb. 9 at 9AM.
- Bill payments scheduled through Feb. 13 will be processed in the current bill pay system.
- Payments scheduled to be processed after Feb. 13 will be processed through the new bill pay system starting on Feb. 17.
- Be sure to schedule any payments prior to bill pay being unavailable on Feb. 9 to ensure they’re not late.
- Prior to the current system going offline on 2/9 you may want to download or print your bill pay history.
- Know where to get help:
- Visit any branch or call us at 239-472-6100 with questions.
- Visit the Upgrade Resource page with the most up to date information – https://sancapbank.com/new-banking/
- Protect yourself from fraud – with the upgrade there could be a scammer surge. Remember:
- We will never ask you to share private information via email, text or phone.
- We already have your information
- We will never ask for your full Social Security number, password, or security codes to “verify” your account for the new system.
- Any official communications from us will provide clear instructions. If something doesn’t feel right give us a call 239-472-6100 to verify BEFORE taking any action.
- We will never ask you to share private information via email, text or phone.
Personal Banking FAQs
The new system goes live on Monday February 16th but there will be some service interruptions starting on Thursday, February 12th at 2pm. (refer to timeline)
It is likely your user ID will remain the same, but you will need to establish a new password.
Yes – when you’re ready to log in to the new system for the first time you can log into either online banking or the mobile app. Both will allow you to log in with your existing username and establish a new password using the last four digits of your social security number.
No – your current debit card and PIN will continue to work during and after the upgrade. When your current debit card expires a new card will be sent to you via mail.
Refer to timeline on landing page https://sancapbank.com/new-banking/
Thursday, Feb. 12 at 4pm. Mobile deposits will be unavailable starting at 2pm (refer to timeline). To be safe try to complete all digital banking before 2pm on Thursday, 2/12.
No – you will need to reestablish your external banking information into the new system.
Yes – Bill Pay will be unavailable beginning Feb. 9 at 9AM. See below for more information:
- Bill Pay will be unavailable beginning Monday, Feb. 9 at 9am until Monday, Feb. 16.
- Prior to Monday, Feb. 9, schedule any bill payments you need to make through Tuesday, Feb. 17 to ensure they’re not late.
- Bill payments scheduled through Friday, Feb. 13 will be processed in the current Bill Pay system.
- Payments scheduled after Friday, Feb. 13 will be processed through the new Bill Pay system starting on Tuesday, Feb. 17.
- The new Bill Pay system will not be accessible until Tuesday, Feb. 17.
- Prior to the current system going offline on Monday, Feb. 9, you may want to download or print your bill pay history.
No – the existing mobile app will not work after the upgrade. You will need to download the new app beginning on 2/16.
Yes – current internal transfers will automatically convert to the new system. However, we encourage you to review all your internal transfers on 2/17 for accuracy.
Yes – you will be able to access the last 2 years of transactions.

What This Means for You:
This core conversion marks one of the most significant milestones in our 22-year history, a transformational investment that will strengthen how we serve you today and tomorrow. It will allow us to:
Offer a more secure, seamless and modern banking experience
Deliver improved digital banking tools with a more user-friendly experience
Provide enhanced security features to better protect your finances and information
Provide more connected, personalized services tailored to your individual needs

What You Need to Know
There’s nothing you need to do right now – but here’s what you’ll need to know once the upgrade is ready:
Logging In
Once the upgrade is complete, your online and mobile login credentials will need to be changed. Your username will likely remain the same, but you will be prompted to create a new password.
Using Biometrics
Touch ID and Face ID will work after you log in for the first time.
Updating
If you log into your online banking from a desktop, you’ll be redirected to the new site. And for mobile banking, you’ll need to download our new mobile banking app after February 16.
Important Bill Pay Information:
- Bill Pay will be unavailable beginning Monday, Feb. 9 at 9am until Monday, Feb. 16.
- Prior to Monday, Feb. 9, schedule any bill payments you need to make through Tuesday, Feb. 17 to ensure they’re not late.
- Bill payments scheduled through Friday, Feb. 13 will be processed in the current Bill Pay system.
- Payments scheduled after Friday, Feb. 13 will be processed through the new Bill Pay system starting on Tuesday, Feb. 17.
- The new Bill Pay system will not be accessible until Tuesday, Feb. 17.
- Prior to the current system going offline on Monday, Feb. 9, you may want to download or print your bill pay history.

Protect yourself from fraud – with the upgrade there could be a scammer surge remember:
- We already have your information.
- We will never ask you to share private information via email, text, or phone.
- We will never ask for your full Social Security number, password, or security codes to “verify” your account for the new system.
- Any official communications from us will provide clear instructions. If something doesn’t feel right give us a call 239-472-6100 to verify BEFORE taking any action.
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Have Questions?
Reach out to your favorite SanCap Banker or give us a call at 239-472-6100.


