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Personal Banking

Personal Banking

Checking Accounts That Meet Your Needs

Standard Features for ALL Checking Accounts

  • Monthly statement with check images or e-Statements 
  • Unlimited check writing and deposits
  • 24-hour account access at toll-free 888.230.3630 
  • 24-hour internet access - check balances and make transfers at www.fcbebanking.com
  • Free ATM Check Card (subject to credit approval)
  • FDIC Insurance coverage up to $250,000 (see CDARS Network for additional FDIC insurance coverage)
  • Bill Pay available - See account type for more information
  • Mobile Banking and Text Banking

First Rewards Checking (Interest bearing)


Direct deposit is a condition to opening and maintaining this account

  • 2.15% APY* on balances up to $15,000
  • 0.25% APY* on the portion of your balance over $15,000
  • 0.05% APY* when qualifications aren't met
  • No monthly service charge
  • No minimum balance required
  • Opening deposit of $50
  • Tiered interest rates
  • Domestic ATM fee refunds up to $50 per qualification cycle when qualifications are met (limited to $4.99 fee refund per single transaction)
  • Have at least 12 debit card purchases post and settle
  • Have at least one recurring ACH debit post and settle
  • Receive monthly e-Statements
  • Bill Pay - First 15 bill pay items per month at no charge, $0.75 each thereafter
  • To find out more, check out our Rates section
 

First Free Checking (Non-interest bearing)

  • No monthly service charge
  • No minimum balance required
  • Opening deposit of $50
  • Bill Pay - $0.75 per bill pay item

 

First Value Checking (Interest bearing)
  • Interest compounded daily and credited monthly
  • Minimum daily balance of $500 required to avoid $10 monthly service charge
  • Discount on safe deposit box
  • Opening deposit of $200
  • Bill Pay - First 15 bill pay items per month at no charge, $0.75 each thereafter 

 

First Choice Checking (Interest bearing)
  • Interest compounded daily and credited monthly
  • Tiered interest rates
  • Monthly service charge of $10 if minimum daily balance is between $0 - $499.99
  • Monthly service charge of $7.50 if minimum daily balance is between $500.00 - $999.99
  • Free cashier's checks
  • Discount on safe deposit box
  • Opening deposit of $500
  • Bill Pay - First 15 bill pay items per month at no charge, $0.75 each thereafter 

 

First Freedom Fifty Checking (Non-interest bearing - 50 years and up)
  • No monthly service charge
  • No minimum balance required
  • Discount on checks (Freedom 50 checks) with electronic Direct Deposit
  • Discount on safe deposit box
  • Opening deposit of $50
  • Bill Pay - $0.75 per bill pay item

 

*APY (annual percentage yield) is paid per statement cycle.
Check out our Special Rates on select accounts or visit any First Commercial Bank location for other rates and additional information.

Apply Now

To apply for a personal deposit account, click on the Apply link below and you will be directed to our online Personal Deposit Application. Your transaction will be handled confidentially and in an expeditious manner through our secure form.

 

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