Personal Products

• $1,000 minimum to open
• $15 monthly maintenance fee
• $1,000 minimum balance requirement to avoid a monthly maintenance fee
• Free online banking
• Tiered interest based on balances:
  • $0 – $24,999.99
  • $25,000 – $49,999.99
  • $50,000 – $99,999.99
  • $100,000 & over
• Interest rates are subject to change any time and determined at bank discretion.

Formerly Next Century Savings

• $5 minimum to open
• For account holders under the age of 18
• No maintenance fee
• 6 free withdrawals per quarterly statement
• $3 fee per withdrawal for excess over 6
• Interest compounds daily on collected balance, posting on calendar quarter with quarterly statement. In the event there is electronic activity on the account, interest will be posted monthly via monthly statement.
• Competitive interest rates
• Interest rates are subject to change at any time and determined at bank discretion.

• $25 minimum to open
• No maintenance fee
• $25 daily collected balance to earn interest
• Interest compounds daily on collected balance, posting on calendar quarter with quarterly statement. In the event there is electronic activity on the account, interest will be posted monthly via monthly statement.
• Account balance plus accrued interest forwarded to owner(s) on the first business day following November 15th
• $20 per debit fee if withdrawn before November 15th each year
• Account closes automatically if $0 balance is maintained for a full calendar quarter
• Interest rates are subject to change any time and determined at bank discretion.

• The money you need for the car you want.
• A great way to help you build your credit.
• Please call 800-335-9973 to speak with a loan representative.

• Purchase.
• Refinance.
• Please call our toll free line: 800-335-9973 to speak with a loan representative and determine what works best for you.

First Century Bank, N.A. is an Equal Housing Lender.

There’s nothing like the convenience of electronic banking. Our customers can check balances, transfer funds and correspond with us safely and securely from virtually anywhere. All for no charge. And you can say good-bye to stamps, envelopes and those trips to the bank and post office with Electronic Bill payment.

You’ll wonder how you ever managed without it.

• Electronic Bill Payment saves time, money, overhead and other office resources.
• Pay who you want, when you want, in seconds.
• Find out who was paid and when.
• Interact with e-bills give you more control.
• View payment history anytime.
• Benefit from instant record-keeping at tax-time.

The easy, convenient way to access your money quickly.

• Accepted like a charge card, but works like a check.
• Save time by not writing checks.
• Use it anywhere MasterCard is accepted.
• Get cash when you want it – Just like an ATM card.

For your convenience, we offer Gift, Travel Money, and Incentive Prepaid Cards.