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 re-establish a banking relationship. A New Beginning account could be your first step towards financial success.
New Beginning accounts offer:
- Contactless MasterMoney® Debit Card
- Online, Mobile, Tablet, and Telephone Banking
- Account Alerts
- Bill Pay
- Zelle®
- Approximately 40,000 FREE ATMs nationwide with MoneyPass®5
- Pocket Change – Turn your cents into savings just by using your debit card
- Greenlight SELECT plan at no cost6
- Overdraft Protection
- Need to build credit? Check out our Credit Builder Loan
New Beginning Checking
This checking account is about a fresh start.
Account Details
- Minimum opening deposit - $25
- No minimum daily balance
- No overdraft fees1
- All deposits held per Regulation CC
Monthly Service Charge
- $5 with direct deposit and e-statements
- $6.75 with direct deposit
- $8.00 with e-statements
- $9.75 without direct deposit or e-statements
New Beginning Savings
Good savings habits are a step toward financial success.
Account Details
- Minimum opening balance - $25
- No minimum daily balance
- No overdraft fees1
- Interest bearing
- All deposits held2
- Unlimited withdrawals for money orders3
- Discounted money order fees4
Monthly Service Charge
- $3.00 with direct deposit and e-statements
- $3.75 with direct deposit
- $6.00 with e-statements
- $6.75 without direct deposit or e-statements
Moving Forward Financially
If your checking account has no overdraft/NSFs for 12 consecutive months, and if savings account has one monthly deposit, you could qualify for any FCB Banks checking or savings account. If any account is closed within seven months, a $15 closing fee will be assessed.
1Checks 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/not paid because of non-sufficient funds, standard NSF fees will apply. Recurring debit card transactions will be paid, but will not incur an overdraft fee. Refer to Miscellaneous Services and Charges insert for these fees. Checks and ACH debits will not be paid without sufficient funds in the account. Items will be returned and standard NSF and Continued Negative Balance fees will apply.
2 Length of hold subject to FCB's discretion.
3 All other debits and withdrawals are limited to six per month, all of which may be payments to third parties. Excess withdrawals and/or payments are $3.00 each.
4 Must use New Beginning Money Order Purchase Slip for discount.
5 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.
6FCB 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.