First Collinsville Bank

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Personal Checking

Accounts Designed with Our Customers in Mind!


49er Gold Club

Dime A Debit

First Rate Direct

First Rate

Totally Free

New Beginning

Minimum Opening Deposit
$500 $25 $25 $25 $25 $25
Minimum Daily Balance
$500 $150 $0 $150 $0 $0
Monthly Service Charge
$12.00† $5.00†  N/A  $6.50†  N/A  $5.00^
Minimum Daily Balance to Earn Interest*
$500 N/A $1,000 $1,000  N/A  N/A
Overdraft Advantage Available
ATM Rebates Available**
Debit Card Incentive***
Free Checks Available

All FCB checking accounts include these great perks!

FREE Master Money® Debit Card or FCB ATM Card FREE FCB and Moneypass® ATM Usage^^  Online, Mobile, Tablet, & Telephone Banking and Bill Pay FREE e-Statements & e-Notices  Overdraft Protection Available 


Additional FCB 49ers Gold Club Member Perks

Bonus CD, IRA, & Money Market Rates FREE 49er Gold Club Checks or 50% Off Any Other Style FREE Cashier's Checks & Money Orders 25% Discount on Safe Deposit Boxes FREE Foreign Currency Exchange Discounted Gift Card & Travel Card Fees


If any account is closed within 7 months, there is a $15 closing fee.

*You must maintain the minimum daily collected balance stated above to obtain the disclosed annual percentage yield. Interest is compounded and credited monthly. If the
account is closed before the interest is credited, you will not receive the accrued interest. Rates are subject to change at any time without prior notice.

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

***e-Statement enrollment required within the first 60 days of account opening or account will be charged an additional $5.00 per month. You will receive $0.10 bonus for each debit card purchase for a maximum $10 per statement cycle. Bonus will be reported as interest.

†Monthly service charge assessed only if the account falls below the Minimum Daily Balance at any point during the statement cycle.

^$5.00 with Direct Deposit and e-Statements, $6.75 with Direct Deposit, $8.00 with e-Statements, $9.75 without Direct Deposit or e-Statements

^^If account falls below minimum daily balance there is a $1.00 fee for each NON-FCB ATM withdrawal in addition to a monthly service charge.

Account Opening
New Deposit
Credit Card


Money Pass