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Personal Checking Accounts

We want to help you find the account that meets all of your financial needs. With our Personal Checking Solutions, you can spend less time worrying about your finances and more time enjoying life!

In addition to the features of each account, you will also benefit from Online Banking with Bill Pay, a Visa® ATM/Debit card with no annual fees, mobile and text banking, and much more...at no additional cost!


 

Stars & Stripes Checking
Your bravery deserves to be rewarded...

OPEN A STARS AND STRIPES CHECKING ACCOUNT AND WE WILL MAKE A $50 DONATION1 TO HELP OUR VETERANS.
...and as an active member or veteran of the U.S. Military, FCB would like to reward you and your family with the kind of checking account you deserve. Open a Stars and Stripes Checking account today, and FCB will make a $50 donation1 to the pre-selected charity of your choice. With Stars and Stripes Checking, we give you the ability to earn interest with NO monthly maintenance fee2 when you sign up for Direct Deposit, plus:

  • FREE FCB Visa® Debit Card or special Military-themed Visa® Debit Card
  • Complimentary standard checks
  • Complimentary 3 x 5 Safe Deposit Box3 for the first year (as per availability) and 50% off
    annually thereafter
  • and many more great features

For information on Stars & Stripes Checking and the list of eligible charities, click here.

Programs, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time.  Minimum $100 required to open this account.  1.  FCB will donate $50 to the charity chosen from the list provided at account opening. To qualify for the $50 donation promotion the account must be opened by July 31, 2015.  The donation will be made no later than 30 days after receipt of the first qualified monthly Direct Deposit posted in the account.  2. Establish a monthly recurring Direct Deposit to avoid the $10 monthly maintenance fee. 3. The contents of safe deposit boxes are not FDIC insured.



Pinnacle Checking
Tiered interest rates for greater growth.

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

  • Higher interest rate plan based on a tiered structure
  • Interest is compounded and credited monthly
  • Open with only $100 minimum deposit
  • Additional features:

- Complimentary 3 x 5 Safe Deposit Box1
- 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 ATMs2 worldwide

Plus:
Enjoy NO monthly maintenance fee3 with:

- Average monthly balance of $25,000 or more in your checking or other FCB checking, savings, or Money Market accounts, OR
- An FCB Loan with Auto Pay
Earn monthly Cash Back Rewards when you:
- Sign up for Direct Deposit and conduct signature-based debit card transactions for maximum reward of $10 per statement cycle.

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Essential Checking
An account that grows with YOU.

Open your Essential Checking account today with $100 or more and take advantage of all the great features this account offers, including:

  • 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 charge4 — a network of over 1,000 ATMs
  • FREE Telephone and Mobile Banking5, so you can bank at your convenience
  • FREE eStatements, to help you eliminate paper clutter
  • Complimentary first order of custom Essential checks6

Plus:
Enjoy NO monthly maintenance fee when you:

- Maintain a $1,000 minimum avg. daily balance8; or
- Are age 55 or older7

Earn monthly Cash Back Rewards when you:

- Sign up for Direct Deposit and conduct signature-based debit card transactions for maximum reward of $10 per statement cycle.

Apply for an FCB Visa® Credit Card9 for even greater purchasing power!

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ECO Checking

Go green and earn Cash Back Rewards.

Open your ECO Checking account today with $100 or more and take advantage of all the great features this account offers, including:

  • 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 charge4 — a network of over 1,000 ATMs
  • FREE Telephone and Mobile Banking5, so you can bank at your convenience
  • FREE eStatements, to help you eliminate paper clutter
  • ECO checks available on recycled paper
  • Full-time student? Enjoy NO monthly maintenance fee10!

Plus:
Enjoy NO monthly maintenance fee11 when you:

- Sign up for Online Banking; and
- Choose to receive FREE eStatements; and
- Sign up for FREE Direct Deposit

Earn monthly Cash Back Rewards when you:

- Sign up for Direct Deposit and conduct signature-based debit card transactions for maximum reward of $5 per statement cycle.

Apply for an FCB Visa® Credit Card9 for even greater purchasing power!

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Budget Checking
Worry-free checking with NO overdraft fees.

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 requirement12
  • 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 charge4 — a network of over 1,000 ATMs
  • Up to two (2) foreign ATM transactions per month at NO charge13 ($10 max per month)
  • FREE Telephone and Mobile Banking5, so you can bank at your convenience
  • FREE eStatements, to help you eliminate paper clutter

Plus:
• Establish Direct Deposit for your recurring paycheck or government deposit, and FCB will waive the low $4 monthly maintenance fee on your Budget Checking account12!
Apply for an FCB Visa® Credit Card9 for even greater purchasing power!

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VEP Colleague Checking Account
Exclusive banking perks for employees whose companies bank with FCB14

Show your employees that you value them with the FCB Valued Employee Program with direct deposit and array of exclusive banking benefits made available through your company at NO cost. Use it to enhance your employee benefits package and to help attract and keep top talent!

NO monthly service fees and NO minimum balance requirements!

  • Online Banking, Bill Pay & Mobile Banking — view monthly statements and account activity, pay monthly bills online and on time, transfer funds between FCB accounts, receive email alerts and more!
  • UNLIMITED check writing
  • Complimentary 3 x 5 safe deposit box for one year15 (subject to availability)
  • NO fee for first order of standard checks
  • NO fee for Cashiers Check
  • NO ATM FEES4 at all FCB and Publix Presto® ATM’s — a network of over 1,000 terminals

Find out more about FCB's Valued Employee 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 the banner below to order checks:

Order Checks

Contact Us
Customer Service Support  |  866.764.0006
Online Banking Support  |  877.557.3635
Telephone Banking  |  877.863.2265

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. The contents of safe deposit boxes are not FDIC insured.  2. 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 immediately.  3. Minimum opening deposit $100.  Maintain a minimum average daily balance of $25,000 or maintain aggregate average daily account balances in qualified accounts of $25,000; 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 to avoid the $25 monthly maintenance fee. 4. Cash withdrawals, balance inquiries and transfers between accounts are surcharge-free transactions at any Publix Presto® ATM.  5. Your mobile carrier’s web access charges may apply.  Contact your carrier directly for details.  6. First order of custom checks are free; thereafter fees will apply.  7. At least one account owner must be 55 years of age or older.  8. Maintain a minimum average daily balance in the account each month of at least $1000 to avoid the $15 monthly maintenance fee. 9. Subject to credit approval.  Application for a credit card may impact your credit score.  10.  At least one account owner must be 18 years of age and a full time student.  11. 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.  12. No minimum balance requirement after initial opening deposit of $25.  Sign up for monthly recurring direct deposits to your account to avoid the $4 monthly maintenance fee. 13. First two foreign ATM surcharge transactions up to $10 per month is waived; afterwards regular surcharge transactions will apply.  14. Individual must be an employee of one of our business customers. 15. First year rental fee waived; afterwards regular rates will apply.  The contents of safe deposit boxes are not FDIC insured.  If a 3 x 5 box is not available and another box size is available, you may elect to have the rental amount credited toward the first year rental of a larger box size.

 

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