Personal Checking Accounts
Find the personal account that fits your needs. It's an UN_BIG deal.

Monthly Service Charge	No
Minimum Opening Balance	No
Minimum Sustained Balance	No
Check Card	Free upon approval
Online Banking and Bill Pay	Yes
Insurance	No
Foreign ATM Charge	No §
Free Checks	First order standard wallet checks free. 50% discount first order of custom checks
Annual Percentage Yield	2.50%§§
Additional Benefits	Earns interest even if minimum qualifications not met.
Additional Requirements	Account holder must receive electronic statements, perform 10 check card transactions and one direct deposit or ACH auto debit per statement cycle.
§ ATM refunds up to $20 per statement period if requirements are met. §§2.50 Annual Percentage Yield (APY) paid on balances between one penny and $35,000.00 and 0.75% APY paid on all amounts above $35,000.00 each statement period the minimum requirements are met. If you do not meet the requirements per statement period, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM refunds for that time period. Rate as of June 29, 2010. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No minimum to open this account. Available to personal accounts only. No monthly service charge.

Monthly Service Charge	No
Minimum Opening Balance	$100
Minimum Sustained Balance	No
Check Card	Free upon approval
Online Banking and Bill Pay	Yes
Insurance	No
Foreign ATM Charge	No §
Free Checks	First order standard wallet checks free. 50% discount first order of custom checks
Earns Interest	No
Additional Benefits	No
Additional Requirements	No
§ When receipt is presented within 30 days.

Monthly Service Charge	$4.98
Minimum Opening Balance	$100
Minimum Sustained Balance	No
Check Card	Free upon approval
Online Banking and Bill Pay	Yes
Insurance	$5,000 accidental death* $500 identity fraud expense coverage *†
Foreign ATM Charge	No §
Free Checks	Free club style checks. 50% discount on custom checks
Earns Interest	No
Additional Benefits	No
Additional Requirements	No
§ When receipt is presented within 30 days. * Special Insurance Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among joint account holders. The accidental death benefit for Sensible Checking, J.O.Y. and J.O.Y. Plus does not reduce at any age. † Coverage not available to residents of New York and may not be available in other jurisdictions.

Monthly Service Charge	$7.00–waived with $100 minimum sustained balance
Minimum Opening Balance	$100
Minimum Sustained Balance	$1,500 to earn interest
Check Card	Free upon approval
Online Banking and Bill Pay	Yes
Insurance	$100,000 common carrier insurance.* $2,500 identity fraud expense coverage.**
Foreign ATM Charge	Yes
Free Checks	First order of J.O.Y. checks free. 50% discount custom check orders
Earns Interest	When $1,500 balance is maintained
Additional Benefits	Free telephone transfers between FCB accounts. 50% discount on safe deposit box for first year. Five free official checks or money orders a month. Personal trip routing and 5% travel rewards. Entertainment® SaversGuide®. Credit card registration and key tag return.
Additional Requirements	Must be at least 50 years of age
* Special Insurance Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among joint account holders. The accidental death benefit for Sensible Checking, J.O.Y. and J.O.Y. Plus does not reduce at any age. † Coverage not available to residents of New York and may not be available in other jurisdictions.

Monthly Service Charge	$4.00
Minimum Opening Balance	$100
Minimum Sustained Balance	No
Check Card	Free upon approval
Online Banking and Bill Pay	Yes
Insurance	$10,000 accidental death insurance and $100,000 common carrier insurance.* $2,500 identity fraud expense coverage.*†
Foreign ATM Charge	Yes
Free Checks	Free J.O.Y. checks or 50% discount on custom check orders
Earns Interest	Earns interest on collected funds
Additional Benefits	Same as regular J.O.Y. account benefits, plus: 24-hour toll-free NurseLineSM,** Eyecare and eyewear discounts.** Emergency medical I.D. card. Safe deposit journal.
Additional Requirements	Must be at least 50 years of age
* Special Insurance Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among joint account holders. The accidental death benefit for Sensible Checking, J.O.Y. and J.O.Y. Plus does not reduce at any age. † Coverage not available to residents of New York and may not be available in other jurisdictions. ** This is not an insurance plan. Note: The NurseLineSM service is not a substitute for your doctor’s care. NurseLineSM nurses cannot diagnose problems or recommend/provide specific treatment. NurseLineSM is a servicemark of Optum, used by permission. Insurance products: Not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Monthly Service Charge	$7.00–waived with $1,500 minimum sustained balance
Minimum Opening Balance	$1,500
Minimum Sustained Balance	$1,500 to waive monthly fee
Check Card	Free upon approval
Online Banking and Bill Pay	Yes
Insurance	No
Foreign ATM Charge	Yes
Free Checks	No
Earns Interest	Yes
Additional Benefits	No
Additional Requirements	No