Personal Checking
We have a variety of checking accounts, tailored to meet your needs.
Ultimate Rewards
Earn a higher interest rate, plus access to exclusive benefits, all with no minimum balance or monthly fees.
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Account Details
Minimum Balance to Open: $100.00
No Minimum Balance To Maintain
Access to 55,000+ Allpoint® Surcharge-Free ATMs
Premium Rate
Receive an exclusive rate bump on account balances up to $100,000. Plus, receive ATM surcharge rebates up to $10 per monthly statement cycle.*
Free FCB Perks
Online Banking with Bill Pay
Telephone Banking
Direct Deposit
*Interest rate and terms are subject to change without prior notice after account opening. Account must be enrolled in eStatements, receive 1 ACH credit, and receive 1 ACH debit or Bill Pay transaction per monthly statement cycle.
Interest Checking
Earn interest on your funds while maintaining unlimited check writing privileges.
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Account Details
Minimum Balance to Open: $1,000.00
Minimum Balance: $1,000.00*
Unlimited transactions
Access to 55,000+ Allpoint® Surcharge-Free ATMs
Free FCB Perks
Mastercard® Debit Card
Online Banking with Bill Pay
Mobile Banking
Telephone Banking
Direct Deposit
*If unable to maintain minimum balance requirement of $1,000.00, a $12.00 monthly maintenance fee will be imposed.
VIP Services
Enjoy access to our VIP Suite of Services when you keep combined balances of $50,000 or more in Premier Interest Checking and Premier Money Market or Money Market Express.
Free VIP Services
No Analysis Fees
Cashier’s Checks
Counter Checks
Overdraft Sweeps
Stop Payments
Wire Transfers
Foreign Check Collection
First Order of Basic Checks
Small Safe Deposit Box or 50% discount on larger size boxes
*Combined balance of $50,000 or greater is required for VIP Services within a qualifying Premier Interest Checking with a Premier Money Market or a Money Market Express account.
Premier Checking
Earn more with our higher interest rates.
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Account Details
Minimum to Open: $500.00
Minimum Balance: $5,000.00*
Unlimited transactions
Access to 55,000+ Allpoint® Surcharge-Free ATMs
VIP Services
Free or reduced fees bank-wide when you keep a combined balance of $50,000 or more in a Premier Interest Checking and Premier Money Market or Money Market account.
VIP Services
Enjoy access to our VIP Suite of Services when you keep combined balances of $50,000 or more in Premier Interest Checking and Premier Money Market or Money Market Express.
Free VIP Services
No Analysis Fees
Cashier’s Checks
Counter Checks
Overdraft Sweeps
Stop Payments
Wire Transfers
Foreign Check Collection
First Order of Basic Checks
Small Safe Deposit Box or 50% discount on larger size boxes
*Combined balance of $50,000 or greater is required for VIP Services within a qualifying Premier Interest Checking with a Premier Money Market or a Money Market Express account.
Free FCB Perks
Online Banking with Bill Pay
Mobile Banking
Telephone Banking
Direct Deposit
*If unable to maintain Minimum Balance requirement of $5,000.00, a $10.00 monthly maintenance fee will be imposed. Premier Money Market or Money Market Express is required to open the Premier Interest Checking. Refer to Premier Money Market and/or Money Market Express account information for minimum balance requirements and minimum to open requirements.
50+ Checking
Customers who are 50 or older can enjoy specialized perks like easy account opening and streamlined account maintenance.
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Account Details
Minimum Balance to Open: $100.00
No Minimum Balance to Maintain
Unlimited transactions
Complimentary basic check orders
Access to 55,000+ Allpoint® Surcharge-Free ATMs
Free FCB Perks
Mastercard® Debit Card
Online Banking with Bill Pay
Mobile Banking
Telephone Banking
Direct Deposit
Free Checking
Simple, hassle-free checking with no minimum balance.
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Account Details
Minimum Balance to Open: $25.00
No Minimum Balance to Maintain
Unlimited transactions
Access to 55,000+ Allpoint® Surcharge-Fee ATMs
Free FCB Perks
Mastercard® Debit Card
Online Banking with Bill Pay
Mobile Banking
Telephone Banking
Direct Deposit
How to Get Started
Open an account online or visit one of our First Commerce Bank locations. If you have any questions, please call your local branch or email: customerservice@firstcommercebk.com