Budget Checking






LOW monthly fee and NO overdraft charge.

Are you tired of the uncertainty of overdraft
fees and want peace of mind?

Budget Checking from FCB is designed for customers who want a personal checking account that will protect them from costly banking overdraft fees in the event of insufficient funds. When a purchase is attempted without enough funds in the account to cover the charge, the purchase is rejected — you automatically avoid getting charged with a costly overdraft fee.

Open your Budget Checking account today with $25 or more and take advantage of all the great features this account offers, including:

  • NO minimum balance requirement
  • FREE Online Banking & Bill Pay
  • FREE FCB Visa® Debit Card
  • UNLIMITED ATM usage at all FCB banking centers and Publix Presto® ATM locations at NO charge
    — a network of over 1,000 ATMs1
  • Up to two (2) foreign ATM transactions per month at NO charge2 ($10 max per month)
  • FREE Telephone and Mobile Banking3, so you can bank at your convenience
  • FREE e-statements, to help you eliminate paper clutter

• Establish Direct Deposit for your recurring paycheck or government deposit, and FCB will waive the low $4 monthly maintenance fee on your Budget Checking account!
• Apply for an FCB Visa® Credit Card4 for even greater purchasing power!

Speak with a friendly FCB banking representative to open your Budget Checking account today — we’re here to serve you.


Download our Budget Checking flyer


Compare Checking Accounts



FCB Rewards Program 


Order Checks Online

Order your checks online from Harland Clarke®, our preferred provider.
Secure, Fast Ordering - Ordering checks online from Harland Clarke® is as safe and secure as ordering them in person or over the phone.  The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.   Click here to order checks online.

Contact Us

To learn more and discuss your options, stop by your neighborhood FCB banking center or call us toll-free
at 1.866.764.0006.  Click here for other contact options.

For a personal presentation of the advantages FCB provides to our customers,
visit any of our full service banking centers.


Programs, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time. 1. Cash withdrawals, balance inquires and transfers between accounts are surcharge-free transactions at any Publix Presto® ATM. 2. First two foreign ATM surcharge transactions up to $10 per month is waived; afterwards regular surcharge transactions will apply. 3. Fees may apply; check with your mobile phone service provider. 4. Subject to credit approval. Application for a credit card may impact your credit score.