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Products


Personal Products

Unlawful Internet Gambling Notice. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

Checking Products
  Simple Choice Account
Need an account that is simple and free? Simple Choice is the one for you!
• $100 Minimum to Open
• Non-Interest Bearing
• No Monthly Maintenance Fee
• Unlimited Check Writing
Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  First Choice Account
More than a checking account, First Choice is a money management tool that combines the best of checking and savings. Simply maintain the monthly minimum balance or have a direct deposit of payroll or government check and you can wave good-bye to all those irritating fees, too!
• $250 Minimum to open
• $12.50 Monthly Maintenance Fee
(Fee will be waived if account is established for direct deposit of payroll or government check or if minimum daily balance greater than $250 is maintained.)
• Tiered Interest Bearing
$0 - $2,499 = 0%
$2,500 - $4,999 = Competitive Interest Rates*
$5,000 and up = Competitive Interest Rates*
• Unlimited Check Writing
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  Prime Choice Account
Give your money even more earning power. Prime Choice is the money market account that rewards higher balances with higher interest.
• $1,500 Minimum to Open
• $15.00 Monthly Maintenance Fee
(Fee will be waived if minimum daily balance greater than $1,500 or average daily balance of greater than $2,500 is maintained.)
• Tiered Interest Bearing
$0 - $4,999 = Competitive Interest Rates*
$5,000 - $14,999 = Competitive Interest Rates*
$15,000 and up = Competitive Interest Rates*
• Transaction limitations: Up to 6 withdrawals per statement cycle per Reg D money market restrictions
• $10 fee per withdrawal in excess of 6 withdrawals per statement cycle as defined in transaction limitations above.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  FCB Prime Advantage
Interest Bearing Checking Account includes:
• FREE Online Banking
• FREE Bill Pay
• FREE Debit Card (With Approval)
• FREE Box Of Checks Upon Account Opening & One Box Per Year
• Automatic reimbursement of up to $8 per month in ATM fees.
• Minimum opening deposit of $100.00 is required.
• Monthly maintenance fee of $15 will apply if daily balance falls below $3,500 during statement cycle.
• Minimum daily balance to earn interest is $3500*
$0 - $3,499 = 0%
$3,500 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.

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Savings Products
  Personal Savings Account
• $100 Minimum to open
• $5.00 Quarterly Service Charge
    - Service Charge will be waived if $250 daily balance is maintained.
• One free withdrawal each month. Excessive withdrawal fee of $6.00 for each additional withdrawal per month.
• $250 minimum balance required to earn interest.
• Interest compounds daily on collected balance, posting on calendar quarter with quarterly statement, unless electronic activity then monthly statements.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  Junior Savings Account
A beginner savings account for newborns through 18 years of age.
• $5 Minimum to open
• One free withdrawal each month. Excessive withdrawal fee of $6.00 for each additional withdrawal per month.
•Interest compounds daily on collected balance, posting on quarterly basis with quarterly statement, unless electronic activity then monthly statements.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  Holiday SPREE Savings Account
• $25 Minimum to open
• No Monthly Maintenance Fee
• $25 daily collected balance to earn interest.*
• Interest compounds daily on collected balance, posting on calendar quarter
• Account balance plus accrued interest forwarded to owner(s) on November 15th
• $20 per debit fee, if withdrawal made prior to November 15th
• Account closed automatically after full calendar quarter if balance is $0
• Quarterly statement, unless electronic activity then monthly statement
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.

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Certificates of Deposit
  Certificate of Deposit

• Required $500 minimum (minimum to open IRA is $1000)
• Interest is compounded daily and may be deposited to your FCB Checking Account monthly or capitalized back to the CD.
*Must have a valid tax identification number that will be used to report any interest income earned to the Internal Revenue Service (IRS). Early withdrawal penalties apply.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.

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Loans
  Mortgages
• We will assist you in choosing the best loan to fit your individual needs and budget.
• Construction - Permanent Loans.
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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  Home Equity Loan
• For any home project from a new kitchen to a new swimming pool.
• You take care of the ideas, let us take care of the financing.
• A great way to add value to your home.
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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  Personal Loans
• For emergencies or any other important major purchase.
• Payment may be automatically deducted from your checking account.
• Generally lower rates than a credit card!
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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  Automobile Loans
• The money you need for the car you want.
• A great way to help you build your credit.
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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Other Services
  Online Banking
There’s nothing like the convenience of electronic banking. Our customers can check balances, transfer funds and correspond with us safely and securely from virtually anywhere. All for no charge. And you can say good-bye to stamps, envelopes and those trips to the bank and post office with Electronic Bill payment.
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  Bill Payment
You’ll wonder how you ever managed without it.
• Electronic Bill Payment saves time, money, overhead and other office resources.
• Pay who you want, when you want, in seconds.
• Find out who was paid and when.
• Interact with e-bills give you more control.
• View payment history anytime.
• Benefit from instant record-keeping at tax-time.
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  Debit MasterCard
The easy, convenient way to access your money quickly.
• Accepted like a charge card, but works like a check.
• Save time by not writing checks.
• Use it anywhere MasterCard is accepted.
• Get cash when you want it - Just like an ATM card.
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Business Products

Unlawful Internet Gambling Notice. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

Checking Products
  Business Choice Checking
Whether you write numerous checks or just a few, our Business Choice Checking Account offers efficiency. That’s important. Not just for daily money management, but also to maintain good tax records.
• $1,000 Minimum to Open
• No Monthly Maintenance Fee of $10 if you maintain $1,000 minimum daily balance or $2,500 average daily balance**
• No transaction fees for the first 100 checks per statement cycle ($.25 per item thereafter)**
**Waived for Not-for-Profit Organizations
*Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  Business NOW Checking
(Interest Bearing Account for Sole Proprietors)
More than a checking account, Business “NOW” is a money management tool that earns you interest! Simply maintain the monthly minimum balance and you can wave good-bye to all those irritating fees, too!
• Unlimited Check Writing
• $1,000 Minimum to Open
• No Monthly Maintenance Fee of $12 and $.35 per debit transaction fee if you maintain $1,000 minimum daily balance or $2,500 average daily balance**
• $2,500 minimum daily collected balance required to earn interest at Competitive Interest Rates*
• Simple Interest calculation on daily collected balance credited monthly to your account
Exclusively for Not-For-Profit Organizations $1,000 daily collected balance required to earn interest. All maintenance and item fees are waived.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  Business Prime Money Market
Give your money even more earning power. Business Prime is the money market account that rewards higher balances with higher interest.
• $2,500 Minimum to Open
• No Monthly Maintenance Fee of $15 if you maintain $2,500 minimum daily balance or $5,000 average daily balance
• Tiered Interest Bearing
$0 - $2,499 = Competitive Interest Rates*
$2,500 - $24,999 = Competitive Interest Rates*
$25,000 - $49,999 = Competitive Interest Rates*
$50,000 - $99,999 = Competitive Interest Rates*
$100,000 - $249,999 = Competitive Interest Rates*
$250,000 and up = Competitive Interest Rates*
• Transaction limitations: Up to 6 withdrawals per statement cycle per Reg D money market restrictions
• $10 fee per withdrawal in excess of 6 withdrawals per statement cycle as defined in transaction limitations above.
Exclusively for Not-For-Profit Organizations $1,000 daily collected balance required to earn interest. Monthly maintenance fee is waived; withdrawal restrictions per Reg D apply.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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  IOLTA and Analysis Checking
• Unlimited Check Writing
• $1,000 Minimum to Open
• $15 Monthly Maintenance Fee
• An earning allowance is applied to the daily collected balance less 10% required reserve to offset the monthly maintenance fee. FCB reserves the right to place accounts on analysis with notification to the customer.
• Earnings allowance based on Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.
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Certificates of Deposit
  Certificate of Deposit

• Required $500 minimum
• Interest is compounded daily and may be deposited to your FCB Checking Account monthly or capitalized back to the CD.
*Must have a valid tax identification number that will be used to report any interest income earned to the Internal Revenue Service (IRS). Early withdrawal penalties apply.
*Interest Rates are subject to change at any time and determined at bank discretion. Data listed is for informational purposes only and subject to change. Ask a FCB representative or login to online banking for current rate or account information.

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Loans
  Business Loans
We understand the needs of businesses, so whether you're starting or expanding a business, we can help.
• Expand or modernize facilities.
• Purchase machinery or equipment.
• Provide seasonal lines of credit.
• Construct new commercial buildings.
• Purchase land or buildings.
• Long repayment terms (up to 20 years on Real Estate)
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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Other Services
  Merchant Processing
Your customers prefer paying by credit and debit cards. Accepting these cards reduces your overhead by eliminating the collection and paperwork associated with handling cash and checks. That’s why it’s so important to have the right electronic payment processing partner. With our service, you’ll enjoy:
• Fast, dependable service
• The latest technology to get your funds into your account quickly
• Experienced, on-going support to keep the process running smoothly
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  Online Banking
There’s nothing like the convenience of electronic banking. Our customers can check balances, transfer funds and correspond with us safely and securely from virtually anywhere. All for no charge. And you can say good-bye to stamps, envelopes and those trips to the bank and post office with Electronic Bill payment.
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  Bill Payment
You’ll wonder how you ever managed without it.
• Electronic Bill Payment saves time, money, overhead and other office resources
• Pay who you want, when you want, in seconds.
• Find out who was paid and when
• Interact with e-bills give you more control
• View payment history anytime
• Benefit from instant record-keeping at tax-time
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  Cash Management Services
• ACH Origination
• Courier Service
• Direct Deposit Payroll
• Wire Transfers
• Night Deposit
• Remote Deposit Capture
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  Debit MasterCard
The easy, convenient way to access your money quickly.
• Accepted like a charge card, but works like a check.
• Save time by not writing checks.
• Use it anywhere MasterCard is accepted.
• Get cash when you want it - Just like an ATM card.
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Member FDIC