Checking Accounts
FCB offers flexible checking solutions designed for different needs and lifestyles – all supported by modern and convenient banking tools and friendly, local service. Explore our accounts and find the one that works best for you.
All FCB Banks Checking Accounts Offer:
- Contactless MasterMoney® Debit Card with Card Management
- Online, Mobile, Tablet, and Telephone Banking
- Mobile Wallet - Apple Pay®, Google Pay™, and Samsung Pay™1
- Mobile Deposits
- FREE e-Statements and e-Notices
- Account Alerts
- Bill Pay
- Zelle®
- Approximately 40,000 FREE ATMs nationwide with MoneyPass®
- Pocket Change – Turn your cents into savings just by using your debit card
- Greenlight SELECT plan at no cost2
- Overdraft Protection
First Rate Direct Checking
Earn a competitive interest rate with FCB’s First Rate Direct Checking Account! There’s no monthly service charge or minimum daily balance as long as you have a direct deposit.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $0.01
- Minimum daily balance to earn interest - $1,000 (View rates and details)
- No monthly service charge with Direct Deposit
- ATM rebates3
- FREE First Rate 55 checks when ordered from any FCB Banks location
First Rate Checking
No direct deposit, but you’d still like to earn a competitive interest rate on your checking account? Then the First Rate Checking Account is for you.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $150
- Minimum daily balance to earn interest - $1,000 (View rates and details)
- Monthly service charge - $6.50 (Assessed only if account falls below minimum daily balance. If account falls below the minimum daily balance there is a $1.00 fee for each non-FCB ATM withdrawal in addition to a monthly service charge.)
- ATM rebates3
FCB Totally Free Checking
FCB’s Totally Free Checking Account is perfect for anyone who would like a service charge free checking account with no minimum balance.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $0.01
- No monthly service charge
Dime A Debit Checking
Earn up to $120 a year just by using your FCB MasterMoney® Debit Card! With Dime A Debit, you'll automatically earn a dime every time you use your debit card to purchase goods or services. Check out all of the account details below.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $150
- Monthly service charge - $5 (Assessed only if account falls below minimum daily balance)
- Monthly statement fee - $5 (Waived with e-statement enrollment)
Account Bonus
- $0.10 bonus for each debit card purchase up to a maximum of $10 per statement cycle. (Bonus is calculated based on transaction posting dates and is reported as interest.)
49er Gold Club Checking
Our 49er Gold Club is open to anyone age 49 or better or to anyone with $49,000 on deposit with FCB Banks. As our premier customers, 49er Gold Club members are eligible for several bonuses including higher rates and free or discounted services! Don’t wait to become an exclusive member.
Account Details
- Minimum opening deposit - $500
- Minimum daily balance - $500
- Minimum daily balance to earn interest - $500 (View rates and details)
- Monthly service charge - $12 (Assessed only if account falls below minimum daily balance. If account falls below the minimum daily balance there is a $1.00 fee for each non-FCB ATM withdrawal in addition to a monthly service charge. )
- ATM rebates3
Club Member Bonuses
- Bonus CD, IRA, and Money Market rates (View rates and details)
- FREE 49er Gold Club checks or 50% off any other style when ordered from any FCB Banks location
- FREE cashier’s checks and money orders
- 25% discount on safe deposit boxes
- FREE foreign currency exchange
- Discounted gift card and travel card fees
An Account Designed to Help Our Students Build Financial Confidence.
Student Checking
These accounts are specifically designed for students who are enrolled in high school or college, minimum 12 years old to age 25, with valid student ID. Students 15 years or younger are required to have a parent/guardian on the account(s).
Account Details
- Low minimum opening deposit
- Low minimum daily balance - $0.01
- PLUS specially designed features for busy students
In Need of a Fresh Start?
A New Beginning Could Be Your First Step Down the Path to Financial Success.
New Beginning Checking
This checking account is about a fresh start. 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 could be your first step down the path to financial success.
Account Details
Low minimum opening deposit
- No minimum daily balance
- No overdraft fees
- Reduced monthly service charge available
1 Apple Pay is a trademark of Apple Inc., Google Pay is a trademark of Google LLC., Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Message and data rates may apply.
2 FCB Banks customers are eligible for the Greenlight SELECT Plan at no cost when they connect their FCB checking account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 5/15/2030. Offer and partner participation is subject to change at any time.
The Greenlight® debit card is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International. Funds underlying the Card Account are FDIC-insured up to $250,000.
Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking features through Community Federal Savings Bank (CFSB), Member FDIC. Greenlight and Community Federal Savings Bank are not affiliated with FCB Banks and maintain their own privacy policies.
3 A $500 minimum daily balance must be maintained to receive ATM rebates. The maximum rebate is $10.00 (5 rebates at $2.00 each) per month/statement cycle. (Excludes international ATM transaction fees.)