Personal Checking
Accounts Designed with Our Customers in Mind!
| | 49-ER Gold Club
Checking | First Rate
Direct | First Rate
Checking | Totally Free Checking | Freedom Checking | New Beginnings Checking |
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| 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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Anyone who wants to start on a path to a solid financial future.
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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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$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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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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There is a monthly service charge of $6.75 for accounts with a direct deposit. There is a monthly service charge of $9.75 for accounts without a direct deposit.
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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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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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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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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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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 Restrictions may apply***
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Do not apply
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| Statements |
FREE statement binder and monthly check image statements FREE Online e-Statements
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FREE statement binder and monthly check image statements FREE Online e-Statements
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FREE statement binder and monthly check image statements FREE Online e-Statements
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FREE statement binder and monthly check image statements FREE Online e-Statements
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FREE statement binder and Monthly check image statements FREE Online e-Statements
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FREE statement binder and monthly check image statements FREE Online e-Statements
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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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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
- Overdraft Advantage Available
- FREE Mobile Banking
- FDIC Insured
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- 200 Checks FREE for new customers
- Customers 55 years or better receive FREE FCB Insignia Checks for life
Overdraft Advantage Available
- FREE Mobile Banking
- FDIC Insured
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- 200 Checks FREE for new customers
- Overdraft Advantage Available
- FREE Mobile Banking
- FDIC Insured
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- 200 Checks FREE for new customers
- Overdraft Advantage Available
- FREE Mobile Banking
- FCIC Insured
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- 200 Checks FREE for new customers
- Overdraft Advantage Available
- FREE Mobile Banking
- FDIC Insured
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- 200 Checks FREE for new customers
- Overdraft Advantage Available
- FREE Mobile Banking
- No Overdraft Fees****
- FDIC Insured
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Additional Information
Interest 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.
****Checks and ACH debits will not be paid without sufficient funds in the account; therefore, no overdraft fees will be charged. In this case, these items will be returned and standard insufficient funds (NSF) fees will apply.
If the account is closed within 7 months, there is a $15 closing fee.
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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