Moving Forward Together
As Fourth Capital officially becomes Volunteer Bank, we want you to know that while the name and look are changing, the personalized service and community first values you’ve come to know will remain at the heart of everything we do.
Tony Gregory
Chairman, President and CEO
Volunteer Bank
What's Ahead: Important Dates You’ll Want to Know
As we work through the details of coming together, we want to keep you informed about important dates related to the upcoming conversion weekend.
FRIDAY, SEPTEMBER 12: Conversion Weekend Starts
- Online and Mobile Banking services will be temporarily unavailable during the conversion weekend.
SUNDAY, SEPTEMBER 14: Your Mobile Banking App
- Your Mobile Banking App will update to reflect the Volunteer Bank brand late in the evening of September 14.
- If you have automatic updates enabled, the app will update on its own. If not, please manually update your app to reflect the Volunteer Bank brand.
MONDAY, SEPTEMBER 15: Conversion Weekend Ends
- All branches will open as Volunteer Bank.
- Online Banking will be available and will update to the Volunteer Bank brand.
Frequently Asked Questions
We’re here to walk with you every step of the way as Fourth Capital transitions to Volunteer Bank. If you have questions that aren’t addressed here, please feel free to give us a call or stop by your local branch.
General Banking FAQ
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What is a bank conversion?
A bank conversion is the process of transitioning two or more banks that have merged into a single, unified operating system. While Volunteer Bank and Fourth Capital legally merged on July 1, 2024, each has continued using separate systems to serve customers. The upcoming system conversion is the final step in bringing our operations fully together. This means that behind the scenes, our technology, processes, and tools will be aligned—enabling us to offer you the same trusted products, services, and experience at every location, regardless of which bank you started with.
When will this conversion happen?
The transition from the Fourth Capital brand to Volunteer Bank will begin on Monday, September 15. You’ll start to see updated logos and branding across our communications, locations, and digital platforms.
When will the Fourth Capital website change?
The Fourth Capital website will transition during conversion weekend. Beginning Monday, September 15, visitors to the Fourth Capital site will be automatically redirected to www.Volunteer.Bank.
Where are the existing Volunteer Bank branch locations — and when can I use them to conduct transactions?
Starting Monday, September 15, you’ll have access to an expanded network of branches to serve you better. Volunteer Bank locations are available across Davidson, Robertson, Rutherford, Sumner, Williamson, and Wilson counties. To explore our full list of locations and hours, please visit: www.volunteer.bank/about-us/locations-hours.html
Will I continue to have free ATM Access?
Yes, you will continue to enjoy free ATM access through our branch locations and MoneyPass® network. To easily find participating MoneyPass® ATMs near you or visit www.moneypass.com.
Will products and services change?
At this time, there will be no changes to your current account. In the future, we’ll work closely with you to transition your existing account to new, updated offerings.
Will my routing number change?
Yes. Volunteer Bank’s ABA routing number is 064102999. Please notify your employer, government agency, or any other party that processes direct deposits or electronic payments to update their records. This routing number should be used for all transactions processed on or after September 15.
Will we still see the same employees?
Yes. You’ll continue to see the familiar faces and warm smiles you’ve come to know and trust at your local branch. By bringing our teams together, we’re expanding our network of experienced bankers—enhancing our ability to serve you with the same personalized care and expertise you’ve always enjoyed.
Will phone numbers change?
We’re happy to share that as we transition to Volunteer Bank, branch phone numbers will remain the same. You’ll continue to enjoy the same friendly support, just under a new name with the same familiar voice on the other end.
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Online & Mobile Banking FAQ
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What is the new website address?
The Fourth Capital website will transition during conversion weekend. Beginning Monday, September 15, visitors to the Fourth Capital site will be automatically redirected to www.Volunteer.Bank.
Will my online banking be affected?
Yes, we will be enhancing our online banking system during the weekend of September 12. Online and mobile banking may be temporarily unavailable over the weekend. We appreciate your patience during this important process.
Will I need to update my online banking and mobile banking credentials?
Your username and password are expected to remain the same. If that changes, we will notify you promptly.
Will my mobile deposit limit change?
For personal accounts, the mobile deposit limit will not change. It will remain $2,500.
For commercial accounts, the mobile deposit limit will increase to $10,000.
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Personal Accounts & Services FAQ
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Will there be changes to my debit card?
For now, there will be no changes to your existing debit card. Your card number and PIN will remain exactly the same. Debit cards with the Volunteer Bank logo will be reissued at a later date.
Will I have to change my personal account numbers?
No. All account numbers will remain the same.
Can I use my current checks?
Yes, you may continue using your current supply of checks and preprinted deposit slips. When you’re ready to reorder, please contact your local banker for assistance.
Will wiring instructions change?
Yes. Wiring instructions will change, effective Monday, September 15, to the following:
Volunteer Bank
ABA/ Routing #064102999
Nashville, TN
I have automatic drafts set up on my accounts. Will they be impacted?
No, your automatic drafts and recurring payments will continue as usual and will not be impacted.
Will I need to change my direct deposit, social security disbursements or any other automatic payments?
Yes. Our routing number will transition to Volunteer Bank’s ABA routing number: 064102999. Please notify your employer, government agency, or any other party that processes direct deposits or electronic payments to update their records. This routing number should be used for all transactions processed on or after September 15.
Will automatic loan payments from my account be impacted?
No, your automatic payments will continue as usual and will not be impacted.
Will I continue to mail my loan payments to the same address?
No. Beginning September 15, please mail your loan payment to the below address.
Volunteer Bank
PO Box 7897
Portland, TN 37148
Will there be any changes to my Fourth Capital personal credit card?
At this time, there will be no changes to your current credit card. A new Volunteer Bank credit card will be issued to you when your existing card expires.
Will my debit card limits change?
Yes, your daily Point-of-Sale (POS) transaction limit will increase to $5,000. Your daily ATM withdrawal limit will remain $800.
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Commercial & Business Banking FAQ
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Will wiring instructions change?
Yes. Wiring instructions will change, effective Monday, September 15, to the following:
Volunteer Bank
ABA/ Routing #064102999
Nashville, TN
Will my business account number change?
No. Your business account number(s) will not change.
Will there be changes to my business debit card?
For now, there will be no changes to your existing debit card. Your card number and PIN will remain exactly the same. Debit cards with the Volunteer Bank logo will be reissued at a later date.
Can I use my current business checks?
Yes, you may continue using your current supply of checks and preprinted deposit slips. When you’re ready to reorder, please contact your local branch for assistance.
Will my commercial loan number stay the same?
Yes. This will not change.
Will my loan or line of credit account statement change?
The appearance of your statement will change, but account details and content will remain the same.
Will automatic payments from my deposit account to my commercial loans be impacted?
No, your automatic payments will continue as usual and will not be impacted.
Will I continue to mail my commercial loan payments to the same address?
No. Beginning September 15, please mail your loan payment to the below address.
Volunteer Bank
PO Box 7897
Portland, TN 37148
Will my debit card limits change?
Yes, your daily Point-of-Sale (POS) transaction limit will increase to $5,000. Your daily ATM withdrawal limit will remain $800.
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