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Responding to COVID-19 (novel coronavirus)
At CapStar Bank, the health and well-being of our customers, team members and communities is our top priority. We understand the uncertainty you may be experiencing surrounding the novel coronavirus (COVID-19) and are committed to not only actively monitoring, but also being responsive to the needs of our customers and team members as the situation evolves. We have launched several initiatives and proactive response plans to protect the health of and provide economic relief for our employees, clients, and communities due to the COVID-19 virus outbreak.
For CapStar Deposit Account Holders
In light of recent developments related to the coronavirus, the Federal Deposit Insurance Corporation (FDIC) reminds Americans that FDIC-insured banks remain the safest place to keep their money. Click here to read more from the FDIC.
For All CapStar Borrowers
In order to improve the cash flow of all our borrowers and contribute to the economic stabilization of our communities:
All CapStar loans (excluding loans originated by the company's Farmington Mortgage, SBA and Tri-Net lending divisions, as well as loan participations) that were less than 30 days past due as of March 23, 2020 will be offered full payment deferral for 90 days with no opt-in fees or penalties. To take advantage of this opportunity, please download and complete the appropriate loan deferral request by clicking on the link below or contact your local CapStar Relationship Manager.
CONSUMER Loan Deferral Opt-In
COMMERCIAL Loan Deferral Opt-In (If Aggregate Lending Relationship is UNDER $250,000)
COMMERCIAL Loan Deferral Request (If Aggregate Lending Relationship is OVER $250,000)
For CapStar loans that are currently greater than 30 days past due as of March 23, 2020, please contact your CapStar Relationship Manager to discuss potential payment relief solutions.
CapStar has working capital facilities available subject to credit approval for businesses in need.
The U.S. Small Business Administration is offering relief solutions to businesses suffering substantial economic impact.
Please contact the CapStar SBA team at SBAassistance@capstarbank.com for additional information.
Additionally, loans serviced but now held by CapStar may also be available for deferment opportunities.
Please contact a CapStar Relationship Manager.
CapStar will temporarily suspend all credit agency reporting through June 30, 2020.
All new foreclosure actions will be suspended, unless required by federal and government agencies, through the end of April 2020 and will continue to be evaluated at that time.
In an effort to directly support the families and children in our communities most impacted by COVID-19 and the recent tornados in Nashville and the surrounding area, CapStar has committed $15,000 each to the Second Harvest Food Bank of East and Middle Tennessee. As part of Feeding America, the nation’s largest food hunger-relief organization, these organizations provide nearly 41 million meals a year to individuals within our service areas who struggle with hunger. At an average cost of approximately $3.00 per meal, CapStar’s contribution will provide our neighbors over 10,000 meals during this challenging period.
CapStar has taken a preemptive approach to protect our team members and their families in the event of a pandemic event such as COVID-19. CapStar was an early adopter of a work from home strategy having previously made significant investments in laptops, virtual private network (VPN) access, and bandwidth. Through its business continuity procedures, employees tested remote access the first week of March and all non-financial center employees have been working remotely since March 11. Bi-weekly all-employee calls are being conducted to ensure the health of employees, discuss the state of operations, and ensure we are providing the best possible client service and support during this challenging time. Additionally, non-essential business travel has been suspended and company-wide cleaning efforts have been enhanced.
Financial Center Service Delivery
As of March 23, 2020 and until further notice, CapStar is expanding its social distancing practice by modifying the operations of its financial center network to support the efforts of public health authorities and to help curtail the spread of COVID-19. CapStar is temporarily redirecting financial centers to its digital channels, drive-thrus and ATMs which can handle most financial transactions.
Clients who would like to establish an account, have specialized cash supply needs, or who require access to safe deposit boxes may make an appointment (615-732-6400 or 423-745-1111) to visit any CapStar financial center in person. Two locations without drive-thru lanes will remain open by appointment only, including financial centers in Green Hills (2321 Crestmoor Road) and the Gulch (1201 Demonbreun Street, Main Level).
For your convenience, drive-thru hours of operation have also been expanded until at least 5 p.m. (M-F) in all locations. If drive-thrus were previously open later than 5 p.m. on specified days of the week or for Saturday service, those hours will remain the same.
Managing Your Finances Remotely
We also encourage you to take advantage of CapStar’s full suite of digital products and other resources for self-service banking and 24/7 account access.
Online and Mobile Banking
Access and manage your accounts safely and securely anytime, anywhere.
• Transfer Funds
• Check Balances and View Transactions
• Receive eStatements to Avoid Potential Delays in Mailed Statements
• Deposit Checks using Mobile Remote Deposit
• Pay Bills
• Send Person to Person Payments
• Manage your Debit Card
Securely pay for purchases using Apple Pay or Samsung Pay
Make deposits and withdrawals using your debit card 24/7
Call 615-732-6400 or 423-745-1111 or send a message.
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We realize the uncertainty of COVID-19 is concerning and evolving by the hour. As such, we will continue to monitor the impact of the situation in our communities and provide further updates as they become available on capstarbank.com and our social media platforms.
For additional information about COVID-19, visit the Centers for Disease Control and Prevention at cdc.gov.
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