Checking Account Details

 FCB Totally Free Checking Account

FCB’s Totally Free Checking Account is perfect for anyone who would like a service charge free checking account with no minimum balance. Check out the account details below and then open your FCB Totally Free account today!

Account Details

• Minimum opening deposit - $25
• Minimum daily balance - $0.01
• No monthly service charge

Dime A Debit Checking Account

Earn up to $120 a year just by using your FCB MasterMoney® Debit Card!

With Dime A Debit, you'll automatically earn a dime every time you use your debit card to purchase goods or services. Check out all of the account details below. Open your Dime A Debit Checking Account today!

Account Bonus

• $0.10 bonus for each debit card purchase up to a maximum of $10 per statement cycle. (Bonus is calculated based on transaction posting dates and is reported as interest.)

Account Details

• Minimum opening deposit - $25
• Minimum daily balance - $150
• Monthly service charge - $5 (Assessed only if account falls below minimum daily balance)
• Monthly statement fee - $5 (Waived with e-statement enrollment)

First Rate Direct Checking Account

Earn a competitive interest rate with FCB’s First Rate Direct Checking Account! There’s no monthly service charge or minimum daily balance as long as you have a direct deposit. Open your First Rate Direct Checking Account today!

Account Details

• Minimum opening deposit - $25
• Minimum daily balance - $0.01
• Minimum daily balance to earn interest - $1,000 (View rates and details)
• No monthly service charge with Direct Deposit
• ATM rebates¹
• FREE First Rate 55 checks

¹A $500 minimum daily balance must be maintained to receive ATM rebates. The maximum rebate is $10.00 (5 rebates at $2.00 each) per month/statement cycle. (Excludes international ATM transaction fees.)

First Rate Checking Account

No direct deposit, but you’d still like to earn a competitive interest rate on your checking account? Then the First Rate Checking Account is for you. Open your First Rate Checking Account today!

Account Details

• Minimum opening deposit - $25
• Minimum daily balance - $150
• Minimum daily balance to earn interest - $1,000 (View rates and details)
• Monthly service charge - $6.50 (Assessed only if account falls below minimum daily balance)
• ATM rebates¹

¹A $500 minimum daily balance must be maintained to receive ATM rebates. The maximum rebate is $10.00 (5 rebates at $2.00 each) per month/statement cycle. (Excludes international ATM transaction fees.)

49er Gold Club Checking Account

Our 49er Gold Club is open to anyone age 49 or better or to anyone with $49,000 on deposit with FCB Banks. As our premier customers, 49er Gold Club members are eligible for several bonuses including higher rates and free or discounted services! Don’t wait to become an exclusive member; open your 49er Gold Club Checking Account today!

49er Gold Club Account Details

• Minimum opening deposit - $500
• Minimum daily balance - $500
• Minimum daily balance to earn interest - $500 (View rates and details)
• Monthly service charge - $12 (Assessed only if account falls below minimum daily balance)
• ATM rebates¹

Club Member Bonuses

• Bonus CD, IRA, and Money Market rates (View rates and details)
• FREE 49er Gold Club checks or 50% off any other style
• FREE cashier’s checks and money orders
• 25% discount on safe deposit boxes
• FREE foreign currency exchange
• Discounted gift card and travel card fees

¹A $500 minimum daily balance must be maintained to receive ATM rebates. The maximum rebate is $10.00 (5 rebates at $2.00 each) per month/statement cycle. (Excludes international ATM transaction fees.)