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Fourth Capital is Now A Division of Volunteer State Bank

As of July 1, 2024, Fourth Capital and Volunteer State Bank have legally merged. Volunteer State Bank is excited to welcome Fourth Capital clients and team as we continue serving as a financial partner and resource for our customers and communities.

Fourth Capital will operate as 'Fourth Capital, A Division of Volunteer State Bank' and will maintain independent operations and branding until the system conversion, expected in 2025.

Read the press release announcement

What does this mean for Fourth Capital clients?

For now, you will continue business as usual. Fourth Capital and its branches will maintain normal, independent operations, while we work to integrate systems and operations into Volunteer State Bank. Today and in the future, you can expect the same outstanding service and support from the same friendly faces. Once the system conversion is complete, this integration will provide you with enhanced resources and services.

What happens next for Fourth Capital clients?

Prior to system conversion, you will receive a detailed conversion guide in the mail, so you will know exactly what to expect. This guide will include details about bank accounts and features, information about the conversion process, important dates, and answers to frequently asked questions. Any changes will be communicated well in advance, and we'll provide step-by-step guidance to make the transition as seamless as possible.

Frequently Asked Questions

Q. Who is Volunteer State Bank?
A: Volunteer State Bank is privately owned, regional community bank currently operating 14 branch locations in six Middle Tennessee counties. Volunteer State Bank offers a variety of deposit, lending, and mortgage products to consumer and business clients. The bank has been named a Top Workplace in Middle Tennessee by The Tennessean and 'Best Bank' by community choice awards in Rutherford and Sumner counties.

Q: Will Fourth Capital change names?
A: Yes, Fourth Capital will operate as 'Fourth Capital, A Division of Volunteer State Bank'. However, Fourth Capital won’t integrate into Volunteer State Bank systems and branding until the system conversion, expected in 2025.

Q: What is a bank system conversion?
A: A bank system conversion is the final step of the merger process. It brings together both banks' operating systems to ensure a consistent client experience, with the same products, services, and conveniences.

Q: When can Fourth Capital clients begin using Volunteer State Bank branches? 
A: Fourth Capital clients will continue to use the Fourth Capital branches used today. After the 2025 system conversion is complete, Fourth Capital clients will have access to all Volunteer State Bank branch locations spanning across six Middle Tennessee counties.

Q: Should Fourth Capital clients continue using their current checks, debit cards, online banking, etc.?
A: Yes. Fourth Capital clients will continue to conduct business as usual until the system conversion.

Q: Will Fourth Capital's routing number or account numbers change?
A: Fourth Capital account number(s) and the bank's routing number will remain the same at this time. If this changes in the future, we will notify you well in advance to ensure a seamless transition.

Q: What happens to my FDIC insurance if I have deposits at both Fourth Capital and Volunteer State Bank?
A: Deposit accounts opened at Fourth Capital Bank prior to July 1, 2024, will be separately insured from deposits at Volunteer State Bank until January 1, 2025.  This six-month grace period allows you the opportunity to restructure your accounts if necessary. Deposits accounts opened at Fourth Capital Bank on or after July 1, 2024, may not be separately insured.

Certificates of Deposit (CDs) at Fourth Capital Bank dated prior to July 1, 2024, are separately insured until the earliest maturity date after January 1, 2025. CDs that mature between July 1, 2024, and January1, 2025 and are renewed for the same term and in the same dollar amount will continue to be separately insured until the first maturity date after January 1, 2025.  If a CD matures during this interim period and is renewed on any other bases, it will only be separately insured until January 1, 2025.

For more information on FDIC insurance and to calculate ways to maximize your coverage per insured institution, please contact your local branch or visit