Personal Checking Accounts
FCN Bank offers a full line of personal checking accounts tailored to fit your specific needs plus the expertise to help you choose the right account. Using our Online and Mobile Banking it’s easy to manage your account and access your funds. Whether you’re a student or a senior or any stage of life in between, we have a checking account that will work for you.
All FCN Checking Accounts Include:
Electronic and/or physical statements may be available (including imaged checks)
Available Per Request:
- Overdraft protection (Credit approval required)
- ATM/Debit card
- 24-Hour phone access (iTalk)
- Online banking (NetTeller)
- Combined statements
Instant Issue Debit Cards:
Who has time to wait a week or more to receive a debit card in the mail? FCN’s Instant Issue Debit Card service provides you a debit card immediately when the following event(s) may occur*:
- Open a new FCN Bank checking account
- Your current debit card is lost or stolen
- Your card has been compromised
- Your card has been damaged or destroyed
Your new FCN bank Instant Issue debit card is a secure personalized chip card that is IMMEDIATELY ready to use and ready to protect your finances – whether you use it in a store or online.
Ask an FCN Bank Representative today about our Instant Issue Debit Cards
*Fees and conditions may apply.
SELECT
- Monthly Service Charge: $0
- Age Range: ANY
- Opening Deposit: $25
- Interest: NONE
- E-Statement: Free
- Paper Statement Fee: $5
SELECT PREMIUM
- Monthly Service Charge: $8 (waived with average monthly balance of $1,000 or more)
- Age Range: ANY
- Opening Deposit: $25
- Interest: Variable rate, paid monthly
- Paper Statement Fee: $5
- E-Satement: Free
- One set of FREE checks during lifetime of account
STUDENT CHECKING
- Service Charge: $0
- Age: Primary account holder must be between 0-24
- Must have adult on the account until child turns 18
- Minimum Opening Deposit: $25
- Interest Payments: NONE
- Student Checking converts to Select Checking at age 25
- E-Satement: Free
- Paper Statement Fee: $2
SENIOR CHECKING
- Monthly Service Charge: $0
- Age: 65+ (for at least one account owner)
- Minimum Opening Deposit: $25
- Interest: Interest earned on daily balances of $5K or more. Variable rate, paid monthly.
- E-Statement: Free
- Paper Statement Fee: Free
- One set of FREE checks during lifetime of account
SELECT MONEY MARKET
- Service Charge: $10 (Waived with average monthly balance of $5,000 or more)
- Age: Any
- Minimum Opening Deposit: $25
- Debits: 6 free per month, $1 fee per debit after that
- Interest Payments: Tiered variable rates based on daily balances paid monthly
- Levels:
- 1. Below $25,000
- 2. Equal to or greater than $25,000 but less than $100,000
- 3. Equal to or greater than $100,000 but less than $250,000
- 4. Equal to or greater than $250,000
- E-Satement: Free
- Paper Statement Fee: $5
Checking Account Rates
Current as of 2/26/2026
| ACCOUNT | APY* | RATE |
|---|---|---|
| Select Premium | 0.05% | 0.05% |
| Senior Checking ($5,000 or more) | 0.05% | 0.05% |
Money Market Rates
Current as of 2/26/2026
| ACCOUNT | APY* | RATE |
|---|---|---|
| Select Money Market | ||
| $0 - $24,999.99 | 0.05% | 0.05% |
| $25,000 - $99,999.99 | 0.20% | 0.20% |
| $100,000 -$249,999.99 | 0.40% | 0.40% |
| $250,000.00 or More | 1.00% | 1.00% |
*APY - Annual Percentage Yield
*Fees may affect earnings