Deposit Products

Checking

Regular Checking

Allows you the freedom of writing as many checks as you want with no service charge, simply by maintaining a low daily balance.

  • Avoid service charge by maintaining $500 average daily collected balance
  • If balance falls below, $5.00 service charge and $.20 service charge per debit transaction will be charged

NOW Checking

All the benefits of Regular Checking while allowing you to earn interest on your checking account.

  • Avoid service charge by maintaining $1,000 average daily collected balance
  • If balance falls below, $10.00 service charge and $.20 service charge per debit in excess of 20 debits will be charged

FCB Club Account

Receive added benefits along with your checking privileges, for a low monthly fee of $8.00.

  • Unlimited check writing, no minimum balance to maintain
  • Free checks
  • Free money orders
  • Free travel cards
  • And more!

Senior Checking

Earn interest on your checking account without restrictions if you are 62 years of age or older.

Insured Money Market

Allows you to earn a higher interest rate than a regular checking account.

  • Allows six withdrawals or other transfers to another account or to third parties per statement cycle. This includes telephone transfer, check, or draft.

Savings

A savings account is an easy way to start investing.

  • Allows six withdrawals or other transfers to another account or to third parties per statement cycle. This includes telephone transfer, check, or draft.
  • No monthly service charge and no minimum balance
  • Nine free withdrawals per quarter ($.50 charge for each debit over nine)

Certificates of Deposit

A Certificate of Deposit is similar to a savings account in that they are insured and thus virtually risk-free (CDs are insured by the FDIC for banks). They are different from savings accounts in that the CD has a specific, fixed term (often three months, six months or one to four years), and, usually, a fixed interest rate. It is intended that the CD be held until maturity, at which time the money may be withdrawn with the accrued interest. See Current Rates