Free Checking & Personal Checking Accounts

FCN Bank offers a full line of personal checking accounts tailored to fit your specific needs plus the expertise to help you choose the right account. Using our Online and Mobile Banking it’s easy to manage your account and access your funds. Whether you’re a student or a senior or any stage of life in between, we have a checking account that will work for you.

All FCN Checking Accounts Include:

Electronic and/or physical statements may be available (including imaged checks)

Available Per Request:

  • Overdraft protection (Credit approval required)
  • ATM/Debit card
  • 24-Hour phone access (iTalk)
  • Online banking (NetTeller)
  • Combined statements

Instant Issue Debit Cards:

Who has time to wait a week or more to receive a debit card in the mail? FCN’s Instant Issue Debit Card service provides you a debit card immediately when the following event(s) may occur*:

  • Open a new FCN Bank checking account
  • Your current debit card is lost or stolen
  • Your card has been compromised
  • Your card has been damaged or destroyed

Your new FCN bank Instant Issue debit card is a secure personalized chip card that is IMMEDIATELY ready to use and ready to protect your finances – whether you use it in a store or online.

Ask an FCN Bank Representative today about our Instant Issue Debit Cards

*Fees and conditions may apply.

Checking Account Rates

Current as of 07/02/2024

Now Account0.05%0.05%
Privilege Account0.05%0.05%

Money Market Rates

Current as of 07/02/2024

Money Market
$0 - $4,999.990.05%0.05%
$5,000 - $24,999.990.10%0.10%
$25,000 Plus0.15%0.15%
Platinum Money Market
$0 - $24,999.990.10%0.10%
$25,000 - $49,999.990.15%0.15%
$50,000 - $99,999.990.20%0.20%
$100,000 Plus0.40%0.40%

*APY - Annual Percentage Yield

*Fees may affect earnings

Time For More Checks?

Reorder Your Personal Checks Online With Ease!

You just need your ABA / Routing Number and Account Number.