Personal Checking Accounts

FCB Choice Checking

  • Minimum balance to open the account – You must deposit $100.00 to open this account.

  • No Monthly Minimum Balance Requirement 

  • No Limit on Transactions 

  • Choices

    • Truncated Statement No Fee -you will not receive an image of your checks with the monthly statement – you can see and print the images through our internet banking product.                                                                                                                             
    • Image Statement - $3.00 Monthly Fee - Statement with copies of checks and deposits.
    • 5 Free Money Orders and Unlimited In House Checks Printed as Needed. - $4.00 Monthly Fee

 

FCB Rewards Checking

  • High Rate Interest Bearing Account -  Check our rate page for current rate details.

  • No Minimum Balance Requirement

  • The following requirements must be met to receive the the top interest rate for the month on the first $10,000.

    • Internet Bill Pay – you must complete at least 1 bill pay per month.  If this requirement is not met you will be charged a $7.50 monthly fee.  There is no fee as long as at least 1 bill is paid each month. 
    • E-Safe Statement– you must agree to receive your statements electronically.  You can print out or save your statements electronically.  These can be retrieved through the FCB internet banking product
    • Debit Card Transaction – you must have at least 12 debit card transactions each statement cycle (that is an average of only 3 per week)
    • Telephone Banking – The PIN for this will be the PIN used to activate the Debit Card.  This toll free number is also the number to call if the card is lost or stolen during hours the bank is closed. (866)860-2030
    • Truncated Account – you will not receive an image of your checks with the monthly statement – you can see and print the images through our internet banking product.

INTEREST CHECKING ACCOUNT

  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.

  • Frequency of rate changes – We may change the interest rate on your account.

  • Determination of rate – At our discretion, we may change the interest rate on your account at any time.

  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.

  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

  • Minimum balance to open the account  You must deposit $1000.00 to open this account.

  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.  This will be waived if you maintain an average daily balance of $2,500.00 in this account for the month.

  • Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is the monthly statement cycle.

  • Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

SELECT SET CHECKING ACCOUNT

  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.

  • Frequency of rate changes – We may change the interest rate on your account at any time.

  • Determination of rate – At our discretion, we may change the interest rate on your account.

  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.

  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

  • Minimum balance to open the account – You must deposit $100.00 to open this account.

  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will be imposed each statement cycle if the combined minimum daily balanced in linked Checking, Savings, CDs, and IRAs fall below $5,000.00.

  • Average daily balance computation method – We use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is the monthly statement cycle.

  • Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

  • Additional Benefits 

    • FCB Checks Free-Each club member will receive free checks that are printed by First Community Bank. There will be a postage fee if the checks are to be mailed.
    • Money Orders/Cashiers Check Fees-Money order checks or Cashiers Checks are available to club members with no issue charge.  Limit 5 per month.
    • Notary and Photocopy Services-You will receive free notary service and free photocopies.  Limit to 12 per month
    • Safe Deposit Box Discount- Receive a $10.00 per year discount on the rental of a box.  Limited to 1 discounted box per Select Set account.
    • Travel - Approximately eight times each year various trips are planned.  These are usually short one day bus trips, but we also try to have a few overnight trips.  Members are able to go on our trips at a discounted price.  Our members are also able to bring a friend on our trips for a small increase in price.
    • Newsletter - A Travel newsletter is sent approximately three times each year to our Select Set members.  This newsletter details our upcoming trips planned.


MONEY MARKET ACCOUNT

  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.

  • Frequency of rate changes – We may change the interest rate on your account at any time.

  • Determination of rate – At our discretion, we may change the interest rate on your account.

  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.

  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

  • Minimum balance to open the account – You must deposit $1,000.00 to open this account.

  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will imposed every statement cycle unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily of $2,500.00 for the monthly statement cycle.

  • Average daily balance computation method – You use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is the  monthly statement cycle.

  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items ( for example, checks ).

  • Transaction limitations – Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month.

  • Fees – An excess withdrawal fee of $5.00 will be charged for each check in excess of six during a statement cycle.

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