Personal Checking
Accounts

 


With Personal Checking Solutions from FCB, you can spend less time worrying about your finances and more time enjoying life!

ALL FCB Personal Checking Accounts include:

  • FREE Online Banking & Bill Pay
  • FREE FCB Visa® Debit Card
  • UNLIMITED ATM usage at FCB banking centers & Publix Presto® ATMs at NO charge1
  • FREE Telephone & Mobile Banking2
  • FREE eStatements

FEATURED ACCOUNTS

ACCOUNT
NAME

PINNACLE CHECKING1

Tiered interest rates for greater growth

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ESSENTIAL CHECKING

Fundamental banking needs
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ECO
CHECKING


Additional perks for
going green
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Monthly
Maintenance Fees waived if:

Average daily balance of $25,000 or more each month in your Checking, Savings or Money Market Account; OR an FCB loan with Auto Pay7

Must maintain a $1,000 min. average daily balance; OR are age 55 or older8

Must sign up for online banking AND choose FREE eStatements; AND sign up for FREE Direct Deposit OR be a full-time student9

FREE First Order of Checks3

 

FREE Identity Theft Prorection Services4

   
FREE 3 x 5 Safe Deposit Box5    
FREE Cashier's Checks    
FREE stop payments    
Free incoming wire transfers    
NO ATM surcharge fee for non-FCB ATMs6    

Earns Interest

   

Cash-Back Rewards



SPECIALTY & NO FRILLS ACCOUNTS

 

NO FRILLS
ACCOUNTS

SPECIALTY
ACCOUNTS

       

ACCOUNT
NAME

FREE CHECKING

No frills and no fees
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BUDGET CHECKING

Worry-free banking; no overdraft fees
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MORTGAGE RELATIONSHIP CHECKING

FCB Mortgage customers
STARS & STRIPES CHECKING

Active U.S. Military and Veterans
Learn more
Monthly
Maintenance Fees waived if:

No Requirements

Must establish Direct Deposit for your recurring paycheck OR government deposit10

Must be a FCB Mortgage loan customer with Auto Pay

Must sign up for FREE Direct Deposit11

FREE First Order of Checks3

 

FREE Identity Theft Prorection Services4

     
FREE 3 x 5 Safe Deposit Box5    
Free for first year and 50% off annually thereafter
FREE Cashier's Checks    
FREE stop payments      
Free incoming wire transfers      
NO ATM surcharge fee for non-FCB ATMs6  
(2 per month)
 

Earns Interest

     
Cash-Back Rewards      

 

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.

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.

 

Program, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time. 1. Cash withdrawals, balance inquiries and transfers between accounts are surcharge-free transactions at any Publix Presto® ATM. 2. Your mobile carrier’s web access charges may apply.  Contact your carrier directly for details. 3. First order of custom checks are free; thereafter fees will apply except for Pinnacle Checking, Stars & Stripes Checking and Mortgage Relationship Checking Accounts. 4. Subject to Terms and Conditions of Group Identity Theft Detection and Recovery Services. 5. While supplies last. The contents of safe deposit boxes are not FDIC insured. 6. 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. For Budget checking, first two foreign ATM surcharge transactions up to $10 per month is waived; afterwards regular surcharge transactions will apply. This does not include VISA International Assessment fees. 7. Maintain a minimum average daily balance of $25,000.00 each month or maintain aggregate average daily account balances in qualified accounts of $25,000.00; a qualified account is a checking, savings or money market (excludes Minor Savings, 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 monthly maintenance fee. 8. Maintain a minimum average daily balance in the account each month of at least $1000 to avoid the $15 monthly maintenance fee OR at least one account owner must be 55 years of age or older; you must be the primary account holder for this purpose. 9. Sign-up for Online Banking AND elect to receive eStatements AND receive one (1) direct deposit each month to avoid the $10 monthly maintenance fee OR at least one account owner must be 18 years of age and a full time student; you must be the primary account holder for this purpose. 10. Sign up for monthly recurring direct deposits to your account to avoid the $4 monthly maintenance fee. 11. Avoid the $10 monthly maintenance fee when you have a monthly recurring Direct Deposit.