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Personal Banking

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Personal Checking Accounts

With Personal Checking Solutions from FCB, you can spend less time worrying about your finances and more time enjoying life!

  Pinnacle Checking Essential Checking ECO Checking Budget Checking
Account Name

Pinnacle Checking1
Learn more about Pinnacle Checking

Essential Checking
Learn more about Essential Checking
ECO Checking
Learn more about
ECO Checking
Budget Checking
Learn more about Budget Checking
Minimum Opening Deposit $100 or more $100 or more $100 or more $25 or more

Maintenance Fee
and / or
Balance Requirement


NO fee when you meet the following requirements each month:

- minimum average daily balance of $25,000 or more in FCB checking, savings or Money Market accounts, OR - an FCB loan with Auto Pay


NO fee when you meet the following requirements each month:

- minimum average daily balance of  $1,000 or more in the account, OR - at least one account owner is age 55 or older


NO fee when you meet the following requirements each month:

- sign up for Online Banking, AND - elect to receive eStatements, AND - receive monthly Direct Deposit, OR - at least one account owner is 18 years of age and a full-time student


NO fee when you meet the following requirement each month:

- receive monthly Direct Deposit

Free Banking Features YES YES YES YES

Cash Back Rewards

Earns Interest YES NO NO NO

Download a comparison chart of Personal Checking accounts

ALL FCB Personal Checking accounts include these great FREE features:

• Online Banking & Bill Pay
• FCB Visa® debit card
• UNLIMITED ATM usage at all FCB banking centers and Publix Presto®
ATM locations at NO charge2 — a network of over 1,000 ATMs
• Telephone and Mobile Banking,3 so you can bank at your convenience
• eStatements, to help you eliminate paper clutter

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Stars and Stripes CheckingStars & Stripes Checking
Your bravery deserves to be rewarded...

...and as an active member or veteran of the U.S. Military, FCB would like to reward you and your family with the kind of checking account you deserve. Open a Stars and Stripes Checking account today, and FCB will make a $50 donation1 to the pre-selected charity of your choice. With Stars and Stripes Checking, we give you the ability to earn interest with NO monthly maintenance fee2 when you sign up for Direct Deposit, plus:

  • FREE FCB Visa® Debit Card or special Military-themed Visa® Debit Card
  • Complimentary custom Stars & Stripes checks
  • Complimentary 3 x 5 Safe Deposit Box3 for the first year (as per availability) and 50% off
    annually thereafter
  • and many more great features

For information on Stars & Stripes Checking and the list of eligible charities, click here.

Programs, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time.  Minimum $100 required to open this account.  Opening deposit must be new funds.  1.  FCB will donate $50 to the charity chosen from the list provided at account opening. First Direct Deposit must be received within 30 days of account opening. Your account will qualify for the donation after receipt of the first qualified monthly Direct Deposit posted in the account.  The donation will be made before year end following qualification.  2. Establish a monthly recurring Direct Deposit to avoid the $10 monthly maintenance fee.  3.  The contents of safe deposit boxes are not FDIC insured.

VEP Colleague Checking Account
Exclusive banking perks for employees whose companies bank with FCB4

Show your employees that you value them with the FCB Valued Employee Program with direct deposit and array of exclusive banking benefits made available through your company at NO cost. Use it to enhance your employee benefits package and to help attract and keep top talent!

NO monthly service fees and NO minimum balance requirements!

  • Online Banking, Bill Pay & Mobile Banking — view monthly statements and account activity, pay monthly bills online and on time, transfer funds between FCB accounts, receive email alerts and more!
  • UNLIMITED check writing
  • Complimentary 3 x 5 safe deposit box for one year5 (subject to availability)
  • NO fee for first order of standard checks
  • NO fee for Cashiers Check
  • NO ATM FEES2 at all FCB and Publix Presto® ATM’s — a network of over 1,000 terminals

Find out more about FCB's Valued Employee Program


Find out about the FCB Rewards Program


Order Checks Online
Order your checks online from Harland Clarke®, our preferred provider.
Secure, Fast Ordering - Ordering checks online from Harland Clarke® is as safe and secure as ordering them in person or over the phone.  The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential. Click the banner below to order checks:

Order Checks Online

Contact Us
Customer Service Support 866.764.0006
Online Banking Support 877.557.3635
Telephone Banking 877.863.2265

For a personal presentation of the advantages FCB provides to our customers,
visit any of our full service banking centers.


Florida Community Bank is committed to providing best in class customer service that is uniquely tailored to help you achieve your financial goals. You can trust our friendly, knowledgeable staff to provide you with the tools needed to guide you through the different stages of life’s journey.

FCB: Stronger Than Ever

Program, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time. 1. Maintain a minimum average daily balance of $25,000 or maintain aggregate average daily account balances in qualified accounts of $25,000; a qualified account is a checking, savings or money market (excludes Minor Savings, CDs, IRAs and Business Accounts); you must be the primary account holder in order for an account to be “qualified” for this purpose OR maintain an Auto Pay arrangement from the Pinnacle Checking Account to pay your FCB loan to avoid the $25 monthly maintenance fee. 2. Cash withdrawals, balance inquiries and transfers between accounts are surcharge-free transactions at any Publix Presto® ATM. 3. Your mobile carrier’s web access charges may apply.  Contact your carrier directly for details. 4. Individual must be an employee of one of our business customers. 5. First year rental fee waived; afterwards regular rates will apply. The contents of safe deposit boxes are not FDIC insured.


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