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. Find out more below, then stop by one of our convenient locations. 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.
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
Available Account Services
- Instant issue MasterMoney® debit card
- Online, Mobile, and Tablet banking
- Telephone banking
- Overdraft protection
- Over 25,000 FREE ATMs with MoneyPass®5
- Bill Pay and Zelle®
- Pocket Change - Turn your cents into savings just by using your debit card
- Need to build credit? Check out our Credit Builder Loan
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
1 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.