Online Banking /
Business Direct Access
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Upcoming Events
School Supply Drive
July 19-August 7
Donations Accepted
at any FCB Location
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Personal Checking
 Accounts Designed with Our Customers in Mind!
49-ER Gold Club CheckingFirst Rate Direct
First Rate Checking
Totally Free Checking
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49-ER Gold Club
Checking |
First Rate
Direct |
First Rate
Checking |
Totally Free Checking |
Freedom Checking |
| Customized For |
Anyone age 49 or better or FCB customers with $49,000 on deposit.
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Anyone with a monthly direct deposit to any FCB account.
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Anyone
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Anyone
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Anyone
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| Opening Deposit |
$500.00
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$50.00
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$50.00
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$50.00
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$50.00
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| Minimum Balance |
$500.00
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No Minimum Balance with a monthly Direct Deposit to any FCB Account
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$150.00
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No
Minimum Balance
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No
Minimum Balance
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| Service Charge |
No Service Charge if minimum balance is maintained. If the balance falls below the minimum anytime during the statement cycle, there is a $12 monthly service charge.* |
FREE-
No Service
Charge
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No Service Charge if minimum balance is maintained. If the balance falls below the minimum anytime during the statement cycle, there is a $6.50 monthly service charge.* |
FREE-
No Service Charge
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FREE -
No Service Charge
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| Interest |
Interest paid on daily collected balance of $500 and over
View Rates |
Interest paid on daily collected balance of $1,000 and over
View Rates |
Interest paid on daily collected balance of $1,000 and over
View Rates |
None
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None
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ATM &
MasterMoney
Debit Card(s) |
FREE
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FREE
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FREE
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FREE
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FREE
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FCB ATM
Usage and
Check Writing |
FREE &
Unlimited
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FREE &
Unlimited
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FREE &
Unlimited
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FREE & Unlimited
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FREE &
Unlimited
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Electronic Banking
& Phone Banking
& Bill Pay |
FREE
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FREE
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FREE
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FREE
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FREE
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| ATM Rebates |
$500 minimum balance must be maintained to receive $2.00 each time you use another bank’s ATM.** |
$500 minimum balance must be maintained to receive $2.00 each time you use another bank’s ATM.** |
$500 minimum balance must be maintained to receive $2.00 each time you use another bank’s ATM.** |
Do not apply
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Unlimited
Some Restricitions may apply***
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| Statements |
FREE statement binder and monthly check image statements |
FREE statement binder and monthly check image statements |
FREE statement binder and monthly check image statements |
FREE statement binder and monthly check image statements
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FREE
E-Statement with online banking access
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| Overdraft Protection |
Available
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Available
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Available
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Available
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Available
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| Extras |
- FREE 49-ER Insignia checks or 50% off any other check style.
- Higher Bonus rates on all regular CD’s and IRA’s.
- FREE cashiers checks and money orders
- FREE notary service
- FREE foreign currency exchange and discounted travel money cards
- 25% discount on Safe Deposit Box
- FDIC Insured
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- 200 Checks FREE for new customers
- Customers 55 years or better receive FREE FCB Insignia Checks for life
- FDIC Insured
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- 200 Checks FREE for new customers
- Customers 55 years or better receive FREE FCB Insignia Checks for life
- FDIC Insured
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- 200 Checks FREE for new customers
- FDIC Insured
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- 200 Checks FREE for new customers
- FDIC Insured
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Additional InformationInterest is compounded and credited monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
*In addition to the monthly service charge, there is a $1.00 fee for each NON-FCB ATM withdrawal when minimum balance is not maintained.
**A $500.00 daily balance must be maintained to receive ATM rebates. The maximum rebate is $6.00 (3@$2.00) per month/statement cycle. Customer's account will be credited on the last business day of each statement cycle. Credits will reflect current month’s ATM activity.
***You must have ten(10) credit (non-pinned) transactions using your FCB MasterMoney Debit Card post to the account per statement cycle and elect to receive E-Statements within the first 30 days of account opening in order to receive unlimited ATM Rebates.
If the account is closed within 7 months, there is a $15 closing fee.
Temporary Liquidity Guarantee Program
FCB Banks is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
On July 21, 2010, FDIC insurance coverage was permanently raised to $250,000. The FDIC insurance limit applies per depositor, per insured depository institution for each account ownership category.
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