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.
Feature | 49ER GOLD CLUB | DIME A DEBIT | FIRST RATE DIRECT | FIRST RATE | STUDENT CHECKING | FCB TOTALLY FREE |
|---|---|---|---|---|---|---|
| Apply Online | Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | 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 | N/A | $1,000 | $1,000 | N/A | N/A |
Free Mobile App Card Management |  | | | | | |
Free Mobile Wallet - | | | | | | |
Mobile Deposit | FREE |
|
| FREE |
FREE | FREE |
Zelle®3 | FREE |
|
| FREE |
| FREE |
ATM Rebates Available4 |
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|
| | ||
Debit Card Bonus5 |
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Free First Rate 55 Checks |
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Free 49er Gold Club Checks |
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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
Available Account Services
- Instant Issue MasterMoney® Debit Card
- Over 25,000 FREE ATMs with MoneyPass®2
- Online Banking
- e-statements and e-notices
- Bill Pay
- Mobile Banking with Mobile Deposit
- Tablet Banking
- Telephone Banking
- Pocket Change
- Overdraft Allowance
- Overdraft Protection
If any account is closed within seven months, a $15 closing fee will be assessed.
1 Assessed only if the account falls below the minimum daily balance at any point during the statement cycle.
2 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.
3 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.) $500 minimum Balance requirement to receive ATM rebates does not apply to Student Checking Accounts.
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.