J.O.Y. PLUS Checking
If our J.O.Y. Checking is the Cadillac of checking accounts, this is the fully loaded version! This account, available only to customers 50 and up, earns interest on your entire balance and comes with all the extras of the regular J.O.Y. account...and then some!
Enjoy vision and eyewear discounts, 24-hour access to the toll-free NurseLine, and a whole lot more, all for a fee so low, you'll barely notice it. It just doesn't get any better than this!
- Summary
J.O.Y. PLUS Benefits
In addition to the J.O.Y. Checking benefits, you receive:
- Earn interest on collected funds
- Unlimited checking
- Low $4 monthly charge
- 24-hour toll-free NurseLineSM***
- Eyecare and eyewear discounts***
- Emergency medical I.D. card
- Safe deposit journal
Standard J.O.Y. Benefits:
- For customers ages 50 and better
- First order of J.O.Y. checks free
- $100,000 common carrier insurance*
- Free phone transfers between FCB accounts
- 50% discount on first year safe deposit box rental
- Five free official checks or money orders a month
- Personal trip routing and 5% travel rewards
- Entertainment Savers Guide
- Credit card registration and key tag return
- Free check card
- Free online banking with bill pay
- Free eStatements
- Free telephone banking
- $2,500 identity fraud expense coverage**
- $100 minimum deposit to open
- FDIC insured
*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. Not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
**Coverage not available to residents of New York and may not be available in other jurisdictions.
***This is not an insurance plan. Note: The NurseLine service is not a substitute for your doctor's care. NurseLine nurses cannot diagnose problems or recommend/provide specific treatment. NurseLine is a servicemark of Optum, used by permission.
