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.

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49er Gold Club

Dime A Debit

First Rate Direct

First Rate

 Student

Checking

Totally Free 

Minimum Opening Deposit

$500

$25

$25

$25

$25

$25

Minimum Daily Balance

$500

$150

$0

$150

$0

$0

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 CardValet™ 

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

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Mobile Deposit

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($0.50 per deposit)

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($0.50 per deposit)

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($0.50 per deposit)

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($0.50 per deposit)
FREE Check Mark
($0.50 per deposit)

Popmoney®

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(Fees)

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(Fees)

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(Fees)

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(Fees)
FREE Check Mark
(Fees)

ATM Rebates Available

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Debit Card Bonus

 

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Free Checks Available

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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.

1Assessed only if the account falls below the minimum daily balance at any point during the statement cycle.

2If 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.

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