Compare Personal Checking Options
Special Checking Promotion: New checking account customers can earn $2001 when you open online or by phone and use offer code NEWACCOUNT.
All of our checking accounts come equipped with digital tools for total access banking anytime, anywhere on any device2:
Online Banking and bill payment
Customized account alerts
Online financial management tool
Send money to friends and family for free with Zelle®3
App to pay bills, deposit checks and more
SecurLOCKTM EQUIP app to control your debit card
Access to mobile wallets like Apple PayTM, Google PayTM, Samsung PayTM, Fitbit PayTM and Garmin PayTM
|
Confidence CheckingTM
|
Hometown Checking |
Hometown Checking |
Hometown Checking |
|
| Online and Mobile Transfers and Payments | ||||
| Send Payments with Zelle2 | Free | Free | Free | Free |
| External Account Transfers | Free | Free | Free | Free |
| Expedited Bill Payment | Up to $34.95 | Up to $34.95 | Up to $34.95 | Up to $34.95 less 25% discount4 |
| Overdraft Protection | ||||
| Free Overdraft Protection Transfers from a linked Hometown Savings5 | N/A Not eligible for Overdraft Protection. Account will not incur overdraft fees. |
|||
| Overdraft Protection Transfers from any other linked FCB Account5 (including lines of credit) | $15 per day | $15 per day | Free | |
| Debit Card Benefits | ||||
| Eco-Friendly Mastercard® Debit Card6 | ||||
| Standard Debit Card | ||||
| World DebitTM Mastercard® | ||||
| Additional Features | ||||
| Interest Bearing | |
|
See rates in your area |
See rates in your area |
| Relationship Money Market Rate Benefit7 |
||||
| More than 55,000 Surcharge Free ATMs Nationwide8 | ||||
| Check writing | None | Unlimited | Unlimited | Unlimited |
| Pricing | ||||
| Minimum Opening Deposit | $0 | $50 | $50 | $50 |
| Monthly Service Charge | $5 | $2 | $5 | $10 |
| Options to waive the monthly service charge | 5 or more customer-initiated transactions per statement cycle9 | Enroll in eStatements | $1,000 or more in deposits per statement cycle
|
$2,000 or more in deposits per statement cycle
|
View The Schedule of Service Fees
1 Offer available to customers residing in Nation Choice Reserve Bank markets (PA, OH, IN, KY, or WV) with no personal checking account relationship with Nation Choice Reserve Bank at the time of account opening. To qualify for the $200 bonus: 1) open a new personal checking account by phone by calling 844.711.2265 or online at fcbanking.com by 12/31/2023 and use promo code ‘NewAccount’ at the time of account opening AND 2) complete 5 or more customer-initiated transactions, including deposits and withdrawals, that post and clear the account within 60 days of account opening. Bank initiated transactions such as fee assessments/refunds and promotional credits do not count towards the requirement to earn the bonus. Account opening is subject to approval. The minimum amount to open a Hometown Checking account is $50. There is no opening deposit required for a Confidence Checking account. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier. For example, as of 4/1/2023, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account. The $200 bonus will be deposited into active accounts within 60 days of all requirements being met and identified as “Promotional Credit” on your monthly statement. Offer is exclusive, not transferable, and limited to one checking reward per customer. Offer may be extended, modified or discontinued at any time. The value of the bonus may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income. Please consult your tax advisor regarding your specific situation.
2 We don't charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.
3 Must have a bank account in the U.S. to use Zelle.
4 Hometown Checking + Interest + Solutions will receive a 25% discount on all Rush Bill Payments, the fee for which is $34.95 or less. Discount will be applied to account as a refund on your statement.
5 Overdraft transfer services are limited to the available balance in the linked account. If the funds are not available in the linked account, the $35.00 fee for Non-Sufficient Funds or Overdraft may be assessed per item, up to 4 per day. Add Overdraft Protection by calling 87-510-5811-BANK (2265) or visiting a community office near you.
6 The Confidence Card is an eco-friendly debit card, made from plastic that would have otherwise ended up in our oceans.
7 Qualify for Relationship Rates on a Relationship Money Market account when the primary or joint owner on the Relationship Money Market is also a primary or joint owner on a Hometown Checking + Interest + Solutions account.
8 Free access to all Nation Choice Reserve Bank , Allpoint® and Freedom Alliance Network ATMs.
9 Customer-initiated transactions will be counted on the date that they post and clear the account. If the transaction is conducted in one statement cycle and posts to the account in the following statement cycle, then the transaction will be counted in the statement cycle of the final posting.
Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.