This website is a product preview and software prototype. It is not a bank, does not accept real deposits, and does not move real customer funds.
1. Not a Bank
American Capital Bank, LLC ("ACB", "we", "us") is an early-stage technology and financial-services venture. We are not a federally or state-chartered depository institution, not an FDIC member, and not an Equal Housing Lender. The website and applications you see today are product previews and software prototypes.
2. No Real Funds or Deposits
This platform does not accept real deposits, does not hold or move real customer funds, and does not provide FDIC-insured accounts. Any account balances, transactions, or financial activity you see are simulated for preview purposes only.
3. Simulated Features
Product names, account types, APYs, loan rates, funding timelines, and online banking features shown on this website are illustrative or simulated. They are not offers to open deposit accounts, pay interest, extend credit, or provide any regulated financial product until offered through a properly licensed partner under full disclosures.
4. No Offer to Lend
Loan amounts, APRs, decision times, and funding claims are illustrative. Nothing on this site constitutes a commitment to lend, an advertisement of an available credit product, or a binding financial offer. Any lending product will only be available once proper licensing and counsel review are complete.
5. PII Policy
You must not submit real Social Security numbers, tax IDs, bank credentials, or other sensitive personal information on this platform. Do not use passwords you use elsewhere. Any data you enter is treated as test data and is not protected to the standards required for real financial information.
6. Consent to electronic records (E-SIGN)
By using this site or the client portal you agree that we may provide notices, disclosures, statements and other records electronically, on this site, in the portal or by email. You may withdraw this consent or request a paper copy at no charge by contacting us through the Contact page; withdrawing may end portal access. To view records you need a current web browser and a device that can open PDF files. Keep your email address current in your profile.
7. Text messages
Lead-request texts from American Capital Bank, LLC are sent only if you check the optional SMS box. Up to 4 msgs/month. Msg & data rates may apply. Reply HELP for help or visit americancapital-bank.com/Contact. Reply STOP to cancel at any time; you will receive one confirmation message. Consent is not a condition of any purchase or service. Carriers are not liable for delayed or undelivered messages. Privacy: americancapital-bank.com/Privacy.
8. Privacy
Your use of this website is governed by our Privacy Policy, available at /Privacy.
9. Contact
American Capital Bank, LLC Contact us through the Contact page.