Personal Banking
Checking
We make checking simple. FCBank offers four unique personal checking account options that include convenient features like mobile banking, Zelle®, Visa® debit card with reward points and more.
Free Checking
WOW Checking
At Ease Checking
Interest Checking
Checking Plus
Compare Personal Checking Accounts
| Free Checking | Interest Checking | WOW & At Ease Checking* | Checking Plus | |
|---|---|---|---|---|
| Minimum Balance | None | See below | None | None |
| Check Writing | Unlimited | Unlimited | Unlimited | Unlimited |
| Service Charges | None | $6.00/month if requirements are not met* | None | $8.00/month |
| Interest | None | Earn interest | Earn interest | None |
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eBanking with ePay and eStatement
Mobile Banking
Mobile check deposits
Send and receive money quickly and easily with Zelle®
External transfers (to your accounts at other financial institutions)
Visa® debit card with reward points
Mobile debit card controls
Misplace your debit card? Deactivate it with a click.
Free Withdrawals at over 80,000 ATMs nationwide.
*Qualify for WOW Checking easily by performing three simple steps each calendar month**:
- 12 Visa debit card purchase transactions must post to your account
- Have one Direct Deposit or ACH Auto Debit
- Enroll and receive eStatements through eBanking
**Monthly qualification period ends the last business day of the month
Savings
Saving money puts you in control of your financial future. We have smart solutions for every kind of saver. Let us help you choose the options that meet your current – and evolving – savings goals.
FCBear Savings Club
- EZ Savings
Savings Accounts
Holiday Club
Health Savings Account
Compare Personal Savings Accounts
| FCBear Savings Club Account | EZ Savings Account | Savings Account* | Holiday Club | Health Savings Account | |
|---|---|---|---|---|---|
| Minimum Balance | None | None | $100 | None | $50 |
| Service Charges | None | None | Low, monthly if minimum balance not maintained | None | None |
| Interest | Earn interest | Earn interest | Earn interest | Earn interest | Earn interest |
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ATM or debit card accessible
*Special interest rate for veterans, active members of the armed forces, and their families through our At Ease Savings Account. Qualifications apply. |
Annual payout on the first Friday of November. Customers can choose check or direct deposit into valid CNB transaction account |
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CDs & IRAs
Our IRA options allow you to pick the account that will best position you on your path to financial freedom. Build your savings on your terms with CDs that fit your goals.
Traditional CDs
IRA Savings
IRA CDs
Livestock CD
Compare Personal CD & IRA Accounts
- Swipe left on the table to view all accounts.
| Certificates of Deposit | Traditional IRA Savings Account | Traditional IRA Certificate of Deposit | Roth IRA Savings Account | Roth Certificate of Deposit | Coverdell Education Certificate of Deposit | |
|---|---|---|---|---|---|---|
| Minimum Balance | $500 | $100 | $2,000 ($2,500 for 7 year terms) | $100 | $2,000 ($2,500 for 7 year terms) | $2,000 |
| Interest | Earn interest | Earn interest | Earn interest | Earn interest | Earn interest | Earn interest |
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Convenience Services
Manage all aspects of your account with online banking. Enjoy the convenience of mobile deposit, plus services like Bill Pay, Send Money with Zelle®, transfers and personalized e-mail alerts.
Personal eBanking
GoMobile®
Debit Card
Credit Card
Convenience Services
Simply enroll online. Upon verification, you’ll have immediate access capabilities. Once you have access to Personal eBanking, you can also sign up for eStatements and enroll in free unlimited ePay, an online service in which you can pay your bills electronically.
Special Features
- Provides real-time access to your FCBank accounts via the Internet
- Allows you to transfer funds between accounts, pay bills and more
- Works anywhere you have Internet access, even your mobile device using our mobile app, goMobile
- Access is provided to you FREE with any personal FCBank account
Mobile Banking makes it possible for you to securely access your financial accounts on the go. We use the latest technology to ensure your information is protected. No matter where you are or what mobile device you use, you have the convenience and flexibility to manage your accounts on your mobile device. Mobile banking enables you to:
Special Features
- Check your account balances
- Review your transaction history
- Transfer funds between accounts
- Deposit checks with Mobile Deposit
Bank with Peace of Mind
Because FCBank uses the latest mobile banking technology, your accounts and your identity are safe. Take your bank wherever life takes you — download the goMobile app for the convenience of FCBank Mobile Banking today.
Try it now and see how easy it is to have 24/7 account access at your fingertips.
Search for “FCBank goMobile” in the Apple App Store or Google Play Store and look for this goMobile app button.
Use your debit card when you’re traveling or paying for everyday purchases made at restaurants, department stores, gas stations, supermarkets, even mail or phone orders. When you make a purchase, simply present your debit card wherever Visa debit cards are accepted and just say “VISA.” There’s no need to write out a check, or wait for check approval. It is not a credit card. The amount of the purchase will be deducted from your FCBank checking account.
The FCBank debit card can do everything an ATM card can do…plus more!
Special Features
- Earn ScoreCard® Rewards, offering 1 point for every $2 spent in net purchases
- Allows you to get cash from ATM machines around the world
- Enables you to make purchases directly from your checking account anywhere VISA debit cards are accepted
- Automatically debits your account for the amount of your purchase as if you’ve written a check
- Your transactions will be detailed on your checking account statement
- Eliminates the hassles of check writing and the risk of carrying cash
- Includes fraud monitoring to protect you from fraudulent purchases
Lose your FCBank debit card? If you realize you’ve lost your debit card, and it is after regular banking hours, call to report your lost or stolen debit card at 1-855-880-3694.
Need to activate your debit card or change your PIN outside of regular banking hours? Simply call 1-800-992-3808 to access our automated system.
VISA® GOLD REWARD CREDIT CARD
Worldwide credit with hometown service. FCBank is pleased to offer you our very own FCBank Visa® Gold Reward Credit Card. Now with contactless technology!
Our FCBank Visa® Gold Reward Credit Card offers you a variety of benefits, including a competitive variable Annual Percentage Rate (APR) and a higher credit line to qualifying customers with a credit card prepared for any emergency that may happen. Whether you’re traveling near or far to visit family or friends, rest assured that your FCBank Visa® Gold Reward Credit Card is welcomed at locations worldwide.
We now offer contactless technology with your Visa® Gold Reward Credit Card. Tap, dip or swipe – it is all up to you. Tapping to pay with your VISA contactless credit card can help you avoid touching surfaces at checkout. Each time you tap, your transaction generates a one-time code, making your transaction secure. Click here for more information about tap to pay contactless technology.
Do you shop online?
Password protect your FCBank Visa Gold Reward Credit Card or debit card for added security when you shop at participating online stores. With Verified by Visa, the next time you shop at a participating online store, you’ll be prompted to enter your password. That means added safety, because only you can use your card online. Activate your Verified by Visa password at any participating store listed today.
ScoreCard® Rewards
ScoreCard® Rewards, offering 1 point per $1 spent on net purchases. These points can be redeemed for:
- Gift Cards: Redeem your points for an online gift card or receive a gift card in the mail for later use.
- Travel: Redeem your points for air travel (including international fulfillment), cruises, hotel stays, car rentals, vacation package, and more.
- Merchandise: Home goods, recreation, electronics, and more! There are over 1,600 items to choose from, and shipping is always free.
Special Features
- A competitive variable APR
- No annual fee
- *NEW* Contactless technology
- 24/7 account access via the Internet
- Instant cash from any machine displaying the PLUS® symbol
EARN POINTS WITH YOUR FCBank DEBIT CARD* AND REWARD CREDIT CARD TOWARDS GIFT CARDS, TRAVEL AND MERCHANDISE REWARDS!
FCBank debit card: Earn one point for every $2 you spend in net purchases with your FCBank debit card* through ScoreCard® Rewards.
FCBank Visa® Gold Reward Credit Card: Earn one point for every $1 you spend in net purchases with your FCBank Visa® Gold Reward Credit Card through ScoreCard Rewards.
Points can be redeemed for:
- Gift Cards: Redeem them online or receive a gift card in the mail for later use.
- Travel: Redeem for air travel (including international fulfillment), cruises, hotel stays, car rentals, vacation packages and more!
- Merchandise: If traveling isn’t in your plans, redeem your points for merchandise ranging from home goods, recreation, electronics and more.
There are over 1,600 items to choose from, and shipping is always free!
To redeem your points 24/7, find ScoreCard online at ScoreCardRewards.com.
*ScoreCard Reward Program not applicable for WOW Checking Account debit cards. Personal accounts only. To view ScoreCard Rewards Program Rules, visit ScoreCardRewards.com, or call ScoreCard Customer Service at 1-800-854-0790.