Online Banking /
Business Direct Access
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Business Checking
We're Everything Your Business Needs in a Bank!
FCB Commercial Checking
FCB Commercial Interest Checking
FCB Commercial Money MarketSimplified Business
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FCB Commercial
Checking |
FCB Commercial
Interest Checking |
FCB Commercial
Money Market |
Simplified
Business |
| Opening Deposit |
$100.00
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$100.00
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$1,000.00
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$100.00
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| Minimum Balance |
$1000.00
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$1,000.00
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$1,000.00
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No Minimum Balance |
| Service Charge |
If the balance falls below the minimum anytime during the statement cycle, there is a $10 monthly service charge. When your daily collected balance is maintained above $1000.00 and your earnings credit is sufficient to cover the services used, your account is SERVICE CHARGE FREE. |
If the balance falls below the minimum anytime during the statement cycle, there is a $10 monthly service charge. The cost of the services used during the month is subject to the bank’s Commercial Account Analysis. |
If the balance falls below the minimum anytime during the statement cycle, there is a $10 monthly service charge |
SERVICE CHARGE FREE |
| Account Activity Charges |
Deposits-FREE
Deposited Items-.07 Each
Paid Items-.16 each
Statement Processing-$3.00
Earnings Credit-Available |
Deposits-FREE
Deposited Items-.07 Each
Paid Items-.16 each
Statement Processing-$3.00
Earnings Credit-Available |
Six free withdrawals are allowed each month, three of which may be made by check. Excess withdrawals are charged $10.00 each and excess deposit activity may be subject to the bank’s normal Commercial Account Analysis |
Deposited Items-100 FREE
Paid Items-50 FREE
Statement Processing-FREE
Additional Transactions:
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| Interest |
Does not apply |
Interest is accrued daily and paid monthly on the daily collected balance.
If the account is closed before interest is credited, you will not receive the accrued interest. These rates are subject to change at any time without prior notice.
View Rates |
Interest is accrued daily and paid monthly on the daily collected balance.
If the account is closed before interest is credited, you will not receive the accrued interest. These rates are subject to change at any time without prior notice.
View Rates |
Does not apply |
| Electronic Banking & Phone Banking |
FREE
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FREE
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FREE
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FREE
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| Bill Pay & Business Direct |
Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill
Business Direct |
Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill
Business Direct |
Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill
Business Direct |
Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill
Business Direct |
| Additional Business Products and Service:
Click Here for Miscellaneous Business Charges |
Additional Information:
If any Business/Commercial Account is closed within 7 months, there is a $15 closing fee.
FCB Banks is participating in the FDIC’s Transaction Account Guarantee Program. Through Dec 31st, 2009, all non-interest bearing transaction accounts, IOLTA accounts and interest bearing checking accounts earning up to .50% are fully guaranteed by the FDIC for the entire amount in the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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