Personal Checking

FCN Bank has a full line of personal and business checking accounts, tailored to fit your every need. We are happy to help answer any questions you may have, please do not hesitate to contact an FCN Account Representative today. For your convenience, we have this handy, printable Checking Account Guide, with information on all our personal checking accounts.

Select the checking account below and you will be able to view more information about it.

"FC" (Free Checking)
A budget account with unlimited check writing and no monthly fees.
  • Minimum Opening Deposit: $50.00
  • Balance Requirement: NONE
  • Service Charge (Minimum Balance Maintained): FREE
  • Service Charge (Minimum Balance Not Maintained): NONE
  • Per Transaction Charge: NONE
  • Statements Electronically Mailed: Monthly
  • Free Imaged Checkes: 2 per month; $1.00 per additional image
  • Interest Payments: NONE
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


Student Checking
A checking account for full-time students when cash is hard to come by.
  • Minimum Opening Deposit: $25.00
  • Balance Requirement: NONE
  • Service Charge (Minimum Balance Maintained): FREE
  • Service Charge (Minimum Balance Not Maintained): NONE
  • Per Transaction Charge: NONE
  • Statements Electronically Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: NONE
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


Senior Citizens
A checking account for those age 62 and over.
  • Minimum Opening Deposit: $25.00
  • Balance Requirement: NONE
  • Service Charge (Minimum Balance Maintained): FREE
  • Service Charge (Minimum Balance Not Maintained): NONE
  • Per Transaction Charge: NONE
  • Statements Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: NONE
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


Regular Checking
The basic and economical checking account with unlimited check writing.
  • Minimum Opening Deposit: $25.00
  • Balance Requirement: $300.00 Daily
  • Service Charge (Minimum Balance Maintained): Waived
  • Service Charge (Minimum Balance Not Maintained): $5.50 per month
  • Per Transaction Charge: NONE
  • Statements Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: NONE
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


NOW Account
An interest bearing checking account for those who like to maintain a higher balance.
  • Minimum Opening Deposit: $800.00
  • Balance Requirement: $800.00 Daily
  • Service Charge (Minimum Balance Maintained): Waived
  • Service Charge (Minimum Balance Not Maintained): $7.50 per month
  • Per Transaction Charge: NONE
  • Statements Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: Variable interest rate, compounded monthly
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


Money Market
An account with a higher interest rate, like a savings account, with limited check writing.
  • Minimum Opening Deposit: $5,000.00
  • Balance Requirement: $5,000.00 Daily
  • Service Charge (Minimum Balance Maintained): Waived
  • Service Charge (Minimum Balance Not Maintained): $5.00 per month
  • Per Transaction Charge: Over 6 Withdrawals per month; $2.00 per withdrawal
  • Statements Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: Variable interest rate, compounded monthly
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


PLATINUM Money Market
A tiered Money Market account with even higher rates.
  • Minimum Opening Deposit: $25,000.00
  • Balance Requirement: $25,000.00 Daily
  • Service Charge (Minimum Balance Maintained): Waived
  • Service Charge (Minimum Balance Not Maintained): $10.00 per month
  • Per Transaction Charge: Over 6 Withdrawals per month; $10.00 per withdrawal
  • Statements Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: Variable interest rate, compounded monthly
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes


Privilege Account
An interest bearing checking account for those age 50 and over.
  • Minimum Opening Deposit: $25.00
  • Balance Requirement: $5,000.00 Daily total on deposit in any combination of qualifying FCN accounts: Checking, Savings, CDs, or IRAs.
  • Service Charge (Minimum Balance Maintained): Waived
  • Service Charge (Minimum Balance Not Maintained): $7.50 per month
  • Per Transaction Charge: NONE
  • Statements Mailed: Monthly
  • Free Imaged Checkes: Unlimited
  • Interest Payments: Variable interest rate, compounded monthly
  • Overdraft Protection Available: Yes
  • ATM/Debit Card Available: Yes
  • 24-Hour Phone Access: Yes
  • Online Banking: Yes
  • Combined Statements Available: Yes



We are happy to help answer any questions you may have, please do not hesitate to contact an FCN Account Representative today, or call 1-800-575-3262.