Find your New Beginning at FCB

We believe in second chances. That’s why FCB’s New Beginning products give customers who wouldn’t normally qualify for an account the chance to establish or reestablish a banking relationship. Find out more below and then stop by one of our convenient locations. A New Beginning Business Checking could be your first step to giving your business another chance for success. 

New Beginning Business

New Beginning Business Checking



Account Details

  • Minimum Opening Deposit - $25.00
  • Minimum Daily Balance - $0.01
  • Monthly Service Charge - $5.00
  • FREE - Up to 200 Deposited and Paid Items1
  • FREE MasterMoney® Business Debit Card
  • FREE ATM usage at MoneyPass® ATMs
  • FREE e-Statements2
  • FREE Online/Mobile Banking


Available Account Services


Moving Forward Financially

If the checking account has no overdraft/NSFs for 12 consecutive months, you could qualify for any FCB Business Checking account.

Holds will be placed on all deposits per Reg CC guidelines.

1 Additional transactions - $0.40 each.

2 Paper Statement - $5.00 per month.

3 Select features available.

Checks and ACH debits will not be paid without sufficient funds in the account. Therefore, this account will not incur overdraft fees. However, when these items are returned because of non-sufficient funds, standard NSF and Continued Negative Balance fees will apply. Refer to Miscellaneous Services and Charges insert for these fees.

If the checking account is closed within 7 months, there is a $15.00 closing fee. 

Closely review the FCB Banks Miscellaneous Services & Charges insert, Truth in Savings Disclosure, and the “Your Deposit Account Brochure” for other fees/charges or terms that may apply.

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