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 Average daily collected balance of $500 and over
View Rates |
Interest paid on Average daily collected balance of $1,000 and over
View Rates |
Interest paid on Average 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. Customers 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 FDICs Transaction Account Guarantee Program. Under that program, through June 30, 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.
Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. (This supersedes the October 3, 2008 changes.)
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Online Banking /
Business Direct Access
Entering this secure site is providing access to a private computer network. This site may be utilized for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Activity on this site is monitored for security purposes.
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