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As an employer, you know that a happy employee is a productive one. VALUED EMPLOYEE from Florida Community Bank is an exclusive employee banking benefits program made available through your company at no cost that lets you show your employees you value them.

This valuable array of personal banking perks can enhance your employee benefits package and help your company attract and keep top talent. Plus, your employees will enjoy great benefits like free checking, free online banking & bill pay, even a credit towards closing costs on a new mortgage.

VEP Colleague Checking Account
NO monthly service fees and NO minimum balance requirements!
FREE Online Banking & Bill Pay – 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
FREE first order of standard checks
FREE safe deposit box for one year1
NO ATM FEES2 at all FCB and Publix Presto® ATM’s
– a network of over 1,000 terminals

• Get a $25 BONUS when you sign up for FREE Direct Deposit!3

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VEP Colleague Savings Account
A great way to help you save for the things you want.

NO monthly service fee4
NO minimum balance requirements
NO CHARGE for combined monthly checking and
savings statement

Buying a home is one of the largest investments any of us will make. It’s a step that requires trusted financial expertise to help you choose the right home loan.

At Florida Community Bank, first-time home buyers can rest assured that their mortgage experience will be handled both personally and professionally, every step of the way.

FCB Mortgage Lending Options:

• Conventional Loans
• FHA Loans
• VA Loans
• Jumbo and Super Jumbo Loans
• Portfolio Loans

Led by a trained FCB banker, the FDIC’s “Money Smart” Financial Education Program is a comprehensive financial education curriculum designed to help your employees create positive banking relationships and provide them with skills that can help them reach their financial goals.

The curriculum consists of eleven training modules that cover essential financial topics, including: FCB Mortgage Lending Options:

Available banking services
• Choosing and maintaining a checking account
• Building and maintaining a budget
• The importance of saving
• How to obtain and use credit effectively
• How to rebuild and repair credit
• Preparing for home ownership

Offers designed for employees of Florida Community Bank business customers only. Programs, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time. All credit applications are subject to standard credit and underwriting guidelines and approval. Publix Presto® is a registered trademark of Publix Asset Management Company. 1. First year rental fee waived; afterwards regular rates will apply. 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 Publix Presto® ATM. 3. Sign up for direct deposit and receive a $25 credit to your VEP Colleague Checking account no later than 30 business days after your first direct deposit transaction is completed. 4. Maintain a minimum average daily balance of $50 in your VEP Colleague Savings account or maintain a VEP Colleague Checking account to avoid the $3.00 quarterly maintenance fee. Savings and Money Market Accounts are governed by Federal Regulations which limit the number of certain types of transactions. You are permitted no more than six (6) transfers and withdrawals, or a combination of such to your other accounts or to a third party per month or statement cycle. Excessive transaction fee of $2.00 will be assessed for each transaction in excess of six (6) during a month. 5. Present coupon to a FCB Mortgage Lender to receive the $295 credit toward closing costs on a new mortgage. Applicants must apply and be approved for a secured residential first mortgage loan (Consumer and Home Equity loans do not qualify for this offer.) Credit will be applied at closing and cannot be transferred or exchanged for cash equivalent. Applicant must have an VEP Colleague Checking account in good standing at the time of loan closing in order to be qualified for the credit. 6. Financing is available for vehicles not older than 5 years old. Applicant must maintain a VEP Colleague Checking account with Auto Pay to qualify for the .50% discount on your rate. Auto Pay discount is subject to terms and conditions; ask an Associate for details. Discount is exclusive and cannot be combined with any other offer.


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