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Find the Checking Account That’s Right for You

We are here to help you choose.

Ready to switch your account to First Commercial Bank, N.A (USA)? We're ready to help. All you have to do is stop by an First Commercial Bank, N.A (USA) branch near you; we'll be happy to help you get started.

  FCBUSA Free CheckingSM FCBUSA Interest CheckingSM

Description

A full-service free checking account

All the essentials, plus earn tiered interest rates

Interest

Not Applicable

Compounded daily on entire balance

Credited monthly

Minimum Opening Deposit

None1

None1

Minimum Balance to Avoid Monthly Service Fee

None

$5,000 monthly average

Monthly Service Fee

None

None with minimum balance or

  • $9 with direct deposit2 or
  • $10 without direct deposit2

Visa® Gold Debit Card with Travel Rewards

FREE

FREE

Money ExpressSM ATM Access

FREE3

FREE3

AccountAbilitySM
(Bank-by-Phone service)

FREE

FREE

FCBUSA Online

FREE

FREE

FCBUSA Online Bill Pay

FREE

FREE

Overdraft Protection

Savings Overdraft Transfer4 or Preferred CreditLineSM, 5

Savings Overdraft Transfer4 or Preferred CreditLineSM, 5

1. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days.

2. Direct deposit discount applies only to statement cycle(s) when government benefits or payroll direct deposits are made to the account.

3. Transactions made at ATMs not owned by First Commercial Bank, N.A (USA) are subject to a fee.

4. For Savings Overdraft Transfer, a Statement Savings or FCBUSA Tiered Savings account is required to participate in this service. Regulatory transfer limits apply and a fee is imposed on the checking account for transfers made. There is no annual fee.

5. Subject to credit approval and an annual fee.