Personal Products

Personal Checking Non-Interest Bearing

Our personal checking account affords you with the flexibility of unlimited check writing and a low minimum balance requirement.

• $100.00 minimum balance to open.
• $500.00 average daily collected balance required to avoid a $6.00 monthly service charge.
• $1.00 service charge for each foreign ATM transaction in excess of 10 per statement cycle.
• Unlimited Check writing.

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Personal Checking Disclosure

Personal Checking Interest Bearing

Our Interest Bearing Personal Checking account allows you to earn interest on your collected balances with the convenience of unlimited check writing.

• $100.00 minimum balance to open.
• $1,000.00 average daily collected balance required to receive interest.
• $1,000.00 average daily collected balance to avoid $10.00 monthly service charge.
• $1.00 service charge for each foreign ATM transaction in excess of 10 per statement cycle.
• Unlimited Check writing.

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Personal Checking + Interest Disclosure

Personal Money Market

Put those excess funds to work in our Personal Money Market account. Earn competitive interest rates that are tiered based on your account balances while keeping your excess funds liquid.

• $100.00 minimum balance to open.
• $2,000.00 minimum daily collected balance required to receive interest.
• $2,000.00 average daily collected balance to avoid $10.00 monthly service charge.
• $1.00 service charge for each foreign ATM transaction in excess of 10 per statement cycle.
• Transaction restrictions subject to Federal Regulations. $10.00 fee applies to all excess transactions.

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Personal Money Market Disclosure

Personal Savings Account

Earn interest on your excess balances with our low minimum balance Personal Savings Account.

• $100.00 minimum balance to open.
• $500.00 minimum daily collected balance required to receive interest.
• $500.00 minimum daily collected balance to avoid $5.00 monthly service charge.
• Transaction restrictions subject to Federal Regulations. An Excess Transaction fee of $2.00 will be assessed for each transaction exceeding the six per month limit (ATM transactions included)

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Personal Savings Disclosure

Certificate of Deposit & IRA

Certificate of Deposit

Exercise your options by choosing a Certificate of Deposit (CD) that best suits your investing needs, with the rate and term that is right for you. Whether you have a time-specific savings need or wish to diversify your portfolio risk, the CD is a popular product to protect and grow your money.

• Offers a variety of terms, usually ranging from 7 days to 5 years.
• Guarantees a fixed rate of return.
• Automatically renew at maturity.
• Requires a minimum deposit of $1,000.00 to open.
• Provides the security of FDIC Insurance.

Certificate of Deposit Disclosure

IRA-Traditional

Individual Retirement Accounts (IRAs) are accounts specifically set up to use during retirement by offering significant tax advantages. And the sooner you start, the longer your money has to grow. With the security of FDIC Insurance (visit FDIC site for rules).

• $1,000.00 minimum to open.
• Attractive rates and terms.
• Automatically renews at maturity.
• Guaranteed rate of return on your investment.
• FDIC Insurance.

You may decide on maturity from 7 days to 5 years, so you can choose the IRA term that best fits your needs. There may be a penalty for early withdrawal. Refer to Early Withdrawal Penalty Disclosure for details.

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CDARS / ICS

ICS^® and CDARS^® services enable depositors to have the peace of mind associated with access to multi-million-dollar FDIC insurance, to manage their liquidity needs, and to earn a return, all while working directly with your Private Banker at F.C.B..

Insured Cash Sweep

• Earn interest on ICS funds placed into demand deposit accounts using the demand option or into money market deposit accounts using the savings option.
• Enjoy peace of mind knowing your ICS funds are eligible for multi-million-dollar FDIC insurance that’s backed by the full faith and credit of the United States government (remember, no one has ever lost a penny of FDIC-insured deposits).
• Access funds knowing that the ICS savings option offers up to six program withdrawals per month.

CDARS^®

• Access multi-million-dollar FDIC insurance on CD investments by working directly with just one financial institution that is a member of the CDARS Network.
• Earn one interest rate per maturity on CD investments; there is no need to negotiate multiple rates per maturity or manually tally disbursements for each CD.
• Earn rates that, historically, have compared favorably to US Treasuries.
• Receive one regular statement detailing your CD investments; you don’t have to manually consolidate statements.
• Benefit from daily compounding of interest.
• Eliminate the time-consuming task of tracking changing collateral values on a recurring basis.
• Select from a variety of maturities ranging from 4 weeks to 260 weeks (5 years) – and choose the terms that best suit your investment needs.

There may be a penalty for early withdrawal. Refer to Early Withdrawal Penalty Disclosure for details.

Need more information?
Contact Account Services