Compare Checking Accounts

Choosing the right checking account is an important decision. Compare all FCB has to offer below. If you still need help deciding, check out the account details or stop by one of our bank locations. One of our New Accounts Representatives will be happy to help you decide.

 

49ER GOLD CLUB
Apply Now

DIME A DEBIT
Apply Now

FIRST RATE DIRECT
Apply Now

FIRST RATE
Apply Now

 STUDENT CHECKING
Apply Now

FCB TOTALLY FREE 
Apply Now

Minimum Opening Deposit

$500

$25

$25

$25

$25

$25

Minimum Daily Balance

$500

$150

$0.01

$150

$0.01

$0.01

Monthly Service Charge1

$122

$5

N/A

$6.502

N/A

N/A

Minimum Daily Balance to Earn Interest

$500
(Rates)

N/A

$1,000
(Rates)

$1,000
(Rates)

N/A

N/A

Free Mobile App Card Management  

Check Mark

Check Mark

Check Mark

Check Mark Check Mark Check Mark

Free Mobile Wallet -
Android Pay, Apple Pay & Samsung Pay

Check Mark

Check Mark

Check Mark

Check Mark Check Mark Check Mark

Mobile Deposit

Check Mark
FREE

Check Mark
FREE

Check Mark
FREE

Check Mark
FREE

Check Mark

FREE

Check Mark
FREE

Zelle®3

Check Mark
FREE

Check Mark
FREE

Check Mark
FREE

Check Mark
FREE

Check MarkFREE

Check Mark
FREE

ATM Rebates Available4

Check Mark

 

Check Mark

Check Mark

Check Mark  

Debit Card Bonus5

 

Check Mark

 

 

 

 

Free First Rate 55 Checks

 

 

Check Mark

 

 

 

Free 49er Gold Club Checks 

Check Mark

 

 

 

 

 

 

Available Account Services

 

Additional 49er Gold Club Perks

 
  • Bonus CD, IRA, and Money Market rates
  • FREE 49er Gold Club Checks or 50% off any other style
  • FREE cashier’s checks & money orders
  • 25% discount on Safe Deposit Boxes
  • FREE foreign currency exchange
  • Discounted gift & travel card fees

If any account is closed within seven months, a $15 closing fee will be assessed.

Assessed only if the account falls below the minimum daily balance at any point during the statement cycle.
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.
Must be at least 18 years old to use Bill Pay and Zelle® at FCB Banks. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
4 A $500 minimum daily balance must be maintained to receive ATM rebates. The maximum rebate is $10.00 (5 rebates at $2.00 each) per month/statement cycle. (Excludes international ATM transaction fees.)
5 You'll receive a $0.10 bonus for each debit card purchase up to a maximum of $10.00 per statement cycle. E-statement enrollment required within first 60 days of account opening or account will be charged an additional $5.00 per month. Bonus is calculated based on transaction posting dates and is reported as interest.

Get Started Badge

Get Started

Apply Now

Join the FCB Team

Apply Here

Auto Loans

with rates as low as

6.24% APR*