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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.

Open A Checking Account Online Instantly

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.

FREE CHECKING

You’ll love no monthly fees and unlimited check writing.
  • Minimum Opening Deposit: $50
  • Balance Requirement: NONE
  • Service Charge: NONE
  • Per Transaction Charge: NONE
  • Interest Payments: NONE
  • eStatements Required: YES
  • Paper Statements Available: NO

REGULAR CHECKING

Our standard account featuring unlimited check writing.
  • Minimum Opening Deposit: $25
  • Balance Requirement: $300 Daily
  • Service Charge (If Required Balance Not Maintained): $5.50 per month
  • Per Transaction Charge: NONE
  • Interest Payments: NONE
  • Paper or eStatements Available: YES

STUDENT CHECKING

Perfect for full-time students when cash is hard to come by.
  • Minimum Opening Deposit: $25
  • Balance Requirement: NONE
  • Service Charge: NONE
  • Per Transaction Charge: NONE
  • Interest Payments: NONE
  • eStatements Required: YES
  • Paper Statements Available: NO

SENIOR CITIZENS CHECKING

Tailored especially for our customers age 62 and better.
  • Minimum Opening Deposit: $25
  • Balance Requirement: NONE
  • Service Charge: NONE
  • Per Transaction Charge: NONE
  • Interest Payments: NONE
  • Paper or eStatements Available: YES

NOW ACCOUNT

Earn interest when you maintain a higher balance.
  • Minimum Opening Deposit: $800
  • Balance Requirement: $800 Daily
  • Service Charge (If Required Balance Not Maintained): $7.50 per month
  • Per Transaction Charge: NONE
  • Interest Payments: Variable interest rate, compounded monthly
  • Paper or eStatements Available: YES
See Current Rates

PRIVILEGE ACCOUNT

An interest bearing account for our customers 50 and over.
  • Minimum Opening Deposit: $25
  • Balance Requirement: $5,000 Daily total on deposit in any combination of qualifying FCN accounts: Checking, Savings, CDs, or IRAs.
  • Service Charge (If Required Balance Not Maintained): $7.50 per month
  • Per Transaction Charge: NONE
  • Standard Checks: FREE
  • Money Orders/Cashier’s Checks: FREE
  • Interest Payments: Variable interest rate, compounded monthly
  • Safe Deposit Box: 15% discount on rental
  • Paper or eStatements Available: YES
See Current Rates

MONEY MARKET

Higher interest for customers who don’t write a lot of checks.
  • Minimum Opening Deposit: $5,000
  • Balance Requirement: $5,000 Daily 
  • Service Charge (If Required Balance Not Maintained): $5.00 per month
  • Per Transaction Charge: Over 6 Withdrawals per month; $2.00 per withdrawal
  • Interest Payments: Variable interest rate, compounded monthly
  • Paper or eStatements Available: YES
See Current Rates

PLATINUM MONEY MARKET

Earn our highest rates with this tiered account.
  • Minimum Opening Deposit: $25,000
  • Balance Requirement: $25,000 Daily 
  • Service Charge (If Required Balance Not Maintained): $10.00 per month
  • Per Transaction Charge: Over 6 Withdrawals per month; $10.00 per withdrawal
  • Interest Payments: Variable interest rate, compounded monthly
  • Paper or eStatements Available: YES
See Current Rates

Checking Account Rates

Current as of 07/02/2024

ACCOUNTAPY*RATE
Now Account0.05%0.05%
Privilege Account0.05%0.05%

Money Market Rates

Current as of 07/02/2024

ACCOUNTAPY*RATE
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.

Reorder Checks