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. Check out the account details below and then open your FCB Totally Free account today!
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; open your 49er Gold Club Checking Account today!
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)
- ATM rebates1
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
- FREE cashier’s checks and money orders
- 25% discount on safe deposit boxes
- FREE foreign currency exchange
- Discounted gift card and travel card fees
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. Open your First Rate Direct Checking Account today!
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 rebates1
- FREE First Rate 55 checks
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. Open your First Rate Checking Account today!
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)
- ATM rebates1
Student Checking
These accounts are specifically designed for students who are enrolled in high school or college.
- Low minimum opening deposit
- No minimum daily balance
- PLUS specially designed features for busy students
New Beginnings 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.
- Low minimum opening deposit
- No minimum daily balance
- No overdraft fees
- Reduced monthly service charge available
Available Account Services
- Instant Issue MasterMoney® Debit Card
- Online, Mobile, and Tablet Banking
- Telephone Banking
- FREE e-Statements and e-Notices
- Overdraft Protection
- Over 25,000 FREE ATMs with MoneyPass®3
- Bill Pay and Zelle®
- Pocket Change – Turn your cents into savings just by using your debit card