How Can We Help You?

To open an account, please contact our team or visit any of our 320+ branch locations. A banker will guide you through the process, which typically takes about 15 minutes in-branch or over the phone.

Our FargosCapital Everyday Checking account has no monthly fee and no minimum balance. High-Yield Savings also has no minimum. Some premium accounts waive fees with a minimum balance — check our accounts comparison page for specifics.

No. This is a student/educational DEMO, not a real bank. There are no real accounts, no real deposits, and no FDIC insurance. All data shown is fictional sample data.

You can deposit funds via: (1) Mobile check deposit using the app, (2) ACH transfer from another bank account, (3) Wire transfer, (4) In-person at any branch or ATM, or (5) Zelle from another account. Mobile check deposits up to $5,000/day are available immediately for verified accounts.

Click "Forgot Password?" on the login page. Enter your username or account email and we'll send a secure reset link. For security, links expire in 15 minutes. If you're locked out, call 1-800-MGL-BANK for immediate assistance.

Log in to online banking and navigate to Account Details to find your routing number (021000089) and account number. Provide these to your employer's payroll department. Direct deposits typically begin within 1–2 pay cycles. You can also download a pre-filled direct deposit form from the app.

Yes. The FargosCapital Mobile App is available on iOS (iPhone and iPad) and Android devices. Online banking is also accessible via any modern web browser on desktop, laptop, and tablet. We support the latest two major versions of all major browsers.

Most conventional mortgages require a minimum credit score of 620. For our best advertised rates, a score of 740+ is recommended. FHA loans may be available with scores as low as 580. Our loan officers can review your full financial picture and recommend the best product for your situation.

Pre-approval is typically issued within 24 hours of a complete application. Full mortgage approval and closing typically takes 21–30 days. Our streamlined digital process means you can submit all documents online and sign closing documents electronically — no branch visit required.

Yes. There are no prepayment penalties on any of our personal loans, mortgages, or home equity products. You can make additional principal payments at any time through online banking or by calling your loan servicer. Early payoff reduces your total interest cost.

Call our fraud hotline immediately at 1-800-MGL-SAFE (available 24/7). You can also freeze your card instantly in the mobile app under Card Controls → Freeze Card. We will investigate and, if fraud is confirmed, reimburse unauthorized transactions under our zero-liability policy.

We use 256-bit TLS encryption for all data in transit and AES-256 encryption for data at rest. Biometric and multi-factor authentication is enforced for all logins. Our security operations center monitors for threats 24/7. We never sell or share your personal data with third parties for marketing purposes. See our full Privacy Policy.