Fee Schedule

Fees listed below are based on regular FCB Banks customer eligibility. 49er Gold Club customers’ fees may be discounted or waived. Non-customers may be charged a higher fee. For a complete fee schedule, please contact us.

Account Fees

Account Reconciliation


Canadian Check Clearing


Copy of Check

$1.00 each

Copy of Statement

 $3.00 each

Dormant/Inactive Account Fee


Research Fee


Special Statement Cycle


Stop Payment Fee – Location/Phone


Stop Payment Fee – Online


Telephone Transfer  $3.00
Insufficient Funds and Returned Item Fees

Check Reject Fee

$1.00 per check

Collection Item


Insufficient Loan Payment Fee

$23.00 each

Paid NSF Item

$28.00 each+

Returned Deposited Item Fee


Returned NSF Item

$23.00 each+

Overdraft Protection

$10.00/transfer; no annual fee

Continued Negative Balance Fee

$30.00 every five business days account remains negative regardless of balance+

+This fee applies to overdrafts created by check, in-person withdrawals, ACH debits, automatic bill payments, recurring debit card transactions, other fees and service charges, or other transactions using your account number. This may apply to everyday ATM withdrawals, and debit card purchases for accounts that opt-in. 

Consumer accounts will incur no more than 5 charges for NSF items paid or returned per business day.  In addition, consumer accounts that are overdrawn less than $10, will incur no charges for NSF items, paid or returned.  Continued Negative Balance Fee of $30 will be charged every 5 business days, regardless of balance.  

Miscellaneous Fees

ACH Addenda (CTX) Statement

$5.00/Free Online

ATM Transaction – Domestic


ATM Transaction – International


ATM/Debit Card Replacement


Bank Medallion Signature Guarantee


Bank Signature Guarantee


Cashier’s Check

$5.00 / $7.00 Non-customer

Check Cashing Fee


Credit Inquiry


Fax Services

$5.00 for first page;
$0.25/additional page

Folded Money


Foreign Check Clearing


Foreign Currency Exchange


Gift Cards

$2.00 - 49er Gold Club Card Purchase

$4.00 - Customer Card Purchase

$6.00 - Non-customer Card Purchase

License Sticker Renewal Fee


Loan Amortization Schedule


Money Order

$2.00 / $3.00 Non-customer

Mortgage Release - Partial


Mortgage Subordination Fee


Notary Fee


Reloadable Cards

$5.00 - Customer Card Purchase

$9.00 - Non-customer Card Purchase

$4.00 - Reload

(Purchase price is waived when you use check cashing service.)

Special Loan Statement


Travel Cards

$5.95 - 49er Gold Club Card Purchase

$7.95 - Customer Card Purchase

$9.95 - Non-customer Card Purchase

Utility Payment Fees


Undeliverable Statement/Mail


Vehicle Title Service


2 Signatures Required


*Surcharge fees may be charged at non-FCB and non-MoneyPass ATMs by that ATM’s owner

Online Service Fees

Android Pay, Apple Pay & Samsung Pay


Bill Payment – Consumer Account

Free with unlimited transactions

Bill Payment – Business Account

$3.99 monthly fee with 10 free transactions;
$0.30/additional transactions

Bill Payment - Stop Payment


Card Valet


Mobile Banking


Mobile Deposit


Online Banking


Popmoney® - Regular Payment

$0.25 - $0.75**

Popmoney® - Next Day Payment

$0.50 - $1.50**

Popmoney® - Request Funds

$0.50 - $1.50**

Tablet Banking


**Standard text and data rates may apply

Wire Transfer Fees

Incoming Wire Transfer


Outgoing Wire Transfer


Outgoing Foreign Wire Transfer



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