Pinnacle Checking






You and FCB: A Mutually-Beneficial Relationship.

Pinnacle CheckingAt FCB, we’re always looking for ways to add value to your banking relationship with us. That’s why we’ve created Pinnacle Checking, an account that earns your higher checking balances more with tiered rates of interest that are compounded and credited monthly. There’s NO monthly maintenance fee1 when you maintain higher balances in your other qualified FCB accounts, or if you have the Auto Pay feature on an FCB loan, plus earn Cash Back Rewards.

With tiered levels of competitive interest, Pinnacle Checking was created to reward our valued customers with higher balances and multiple FCB accounts to earn more, and avoid monthly service charges:

  • Higher interest rate plan based on a tiered structure
  • Interest is compounded and credited monthly
  • NO monthly maintenance fee1 with:

    - Average daily balance of $25,000 or more each month in your checking or other FCB checking, savings, or Money Market accounts;
    - an FCB loan with Auto Pay (excludes FCB Mortgage loans)

  • Open with only $100 minimum deposit
  • Pinnacle Checking also comes with a range of additional complimentary features, including:

- Complimentary 3 x 5 Safe Deposit Box2
- Complimentary custom order of Pinnacle checks
- Complimentary Cashier’s Checks
- Complimentary stop payments
- Complimentary incoming wire transfers
- Unlimited check writing
- NO ATM surcharge fee for non-FCB ATMs3 worldwide

  • Start earning Cash Back Rewards immediately by signing up for direct deposit and conducting signature-based debit card transactions for a maximum reward of $10 per statement cycle.

  • Fully Managed Identity Theft Research, Remediation and Recovery4 – a professional, certified and licensed Recovery Advocate will work on your behalf to restore your identity to pre-event status, for any type of identity theft you might experience, or even suspect. This service extends to cover you and up to three generations of family!  Click here for complete Terms and Conditions.
    • Perform research to determine the extent of the problem, including a review of all three credit reports (if appropriate)
    • Assist with the placement of fraud alerts with the three major credit bureaus
    • Write letters/ make calls on your behalf to dispute fraudulent information
    • Coordinate with government agencies, financial institutions, creditors, etc. to resolve incidents
    • Work with law enforcement to help to arrest and prosecute the criminals
    • Follow up for 12 months after recovery

  • Lost Document Replacement – this service provides personalized one-on-one assistance to replace identity credential documents that have been lost, stolen or destroyed in connection with your identity theft event.
  • Identity Theft Expense Reimbursement Insurance - you may receive reimbursement for out of pocket expenses incurred during the identity recovery process up to a maximum of $25,000, including reimbursement for lost wages, attorney’s fees, and other expenses.  Click here for Evidence of Coverage.
  • Entitlement to Credit Monitoring – If you decide to activate this service you will receive alerts of changes to your credit file that could signal identity theft. We can even send the alerts to you in a text message for ease of use and rapid communication. The entitlement is applicable to individuals age 18 and older who have a valid credit file. Note: You must follow an easy activation process in order to receive the benefits of credit monitoring. If you are a Pinnacle Checking accountholder, and you want to learn more about how to activate your no-cost credit monitoring:

    PINNACLE CUSTOMERS: Click here to enroll.

    Next, enter your unique certificate code, complete your profile, and answer the identity authentication questions to activate this service. If you do not know your code, please call 866-764-0006.

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

Download our Pinnacle Checking flyer


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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.


Florida Community Bank is committed to providing best in class customer service that is uniquely tailored to help you achieve your financial goals. You can trust our friendly, knowledgeable staff to provide you with the tools needed to guide you through the different stages of life’s journey.


Programs, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time. 1. Maintain a minimum average daily balance of $25,000.00 or maintain aggregate average daily account balances in qualified accounts of $25,000.00 each month; a qualified account is a checking, savings or money market (excludes Minor Savings, Mortgage Reserve Accounts, and other Pinnacle Checking Account(s) held by the accout owner, CDs, IRAs and Business Accounts); you must be the primary account holder in order for an account to be “qualified” for this purpose OR maintain an Auto Pay arrangement from the Pinnacle Checking Account to pay your FCB loan (excluding FCB Mortgage loans) to avoid the $25.00 monthly maintenance fee. 2. While supplies last.  The contents of safe deposit boxes are not FDIC insured. 3. Cash withdrawals, balance inquiries and transfers between accounts are surcharge-free transactions at any non-FCB ATM Worldwide. If charged, the surcharge fee will be reversed. This does not include Visa International Assessment fees.  4. Subject to terms and conditions of Group Identity Theft Detection and Recovery Services.