Personal Checking

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Personal Checking Accounts

FCB® has a variety of checking accounts with you in mind. Whether you prefer a basic account, or one that earns interest ….we have a range of features and benefits to fit your banking needs. Check out our offerings below.

If you are ready to make your selection, click on the green button below to open your account online now! If you need a little assistance, our experienced professionals will be glad to assist you in choosing the personal checking account that works best for you.

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	Premium Interest Checking	50 Plus Interest Checking	Direct Interest Checking	Simply Free Checking
Description	Premium Interest Checking An account for those wanting higher interest!	50 Plus Interest Checking A perfect account for customers age 50 or better!	Direct Interest Checking Earn interest with the convenience of direct deposit or any automatic payment!	Simply Free Checking A FREE account for everyone!
FREE Instant Issue VISA® Check Card	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
FREE MoneyPass® surcharge free ATM network^	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
FREE Online Banking & Billpay	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
FREE Mobile Banking* & Mobile Deposits*	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
FREE Paper, Email or Online Statements	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
FREE Thank You Gift**	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
BUY BACK of unused checks and check cards from another financial institution***	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
Open online in 10 Minutes or Less	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking yes	Simply Free Checking yes
Minimum Opening Deposit	Premium Interest Checking $50	50 Plus Interest Checking $50	Direct Interest Checking $50	Simply Free Checking $50
Earns Interest	Premium Interest Checking Higher interest rate with balance of $1,500+	50 Plus Interest Checking yes	Direct Interest Checking yes
Minimum Balance	Premium Interest Checking yes	50 Plus Interest Checking $0	Direct Interest Checking $0	Simply Free Checking $0
Monthly Service Charge	Premium Interest Checking $6 if balance falls below $1,500	50 Plus Interest Checking $0	Direct Interest Checking $0	Simply Free Checking $0
FREE First Box of Checks	Premium Interest Checking yes	50 Plus Interest Checking yes	Direct Interest Checking	Simply Free Checking

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Switching from another bank?

FCB makes switching easy!

We can assist with switching your automatic payments and your direct deposit.

Ask us how to make the switch to FCB today!

Other fees such as non-sufficient funds, overdraft, not-on-us ATM, foreign ATM fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask us for details. *Standard data usage rates and fees may apply. Contact your mobile carrier for more information. **We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. ***Up to $10 for checks and check cards from another financial institution given at the time the checks/check cards are presented. ^A surcharge fee is a fee that is charged to cardholders by the owner of an ATM. You can use your FCB Check Card at FCB and/or MoneyPass® ATMs to avoid paying a surcharge fee. Foreign ATM fees are waived for FCB Check Card holders using MoneyPass® ATMs. Other fees, such as non-sufficient funds or overdraft fees, may apply.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.