At First Century Bank, we pride ourselves in providing products and services that not only add value to members of our community but to the businesses within it, as well. Here is an overview of products available at FCB:

Looking for Personal Products?

Checking Products

  • $100 minimum to open
  • $10 monthly maintenance fee
  • $1,000 minimum balance requirement to avoid a monthly maintenance fee
  • Non-interest bearing
  • Monthly statement cycle
  • Free online banking, debit card and bill pay
  • $1,000 minimum to open
  • $15 monthly maintenance fee
  • $1,000 minimum balance requirement to avoid a monthly maintenance fee
  • Tiered interest based on balances:
    • $0 – $24,999.99
    • $25,000 – $49,999.99
    • $50,000 – $99,999.99
    • $100,000 & over
  • Monthly statement cycle
  • Free online banking, debit card and bill pay
  • $2,500 minimum to open
  • $15 monthly maintenance fee
  • $2,500 minimum balance requirement to avoid a monthly maintenance fee
  • Free online banking
  • $10 fee per withdrawal for any in excess of 6 per cycle
  • 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.
  • $1,000 minimum to open
  • $15 monthly maintenance fee
  • $1,000 minimum balance requirement to avoid a monthly maintenance fee
  • Free online banking
  • Monthly statement cycle

Certificates of Deposit

  • Required $500 minimum opening deposit amount
  • Interest is compounded daily and may be deposited to your FCB Checking Account monthly or capitalized back to the CD
  • Must have a valid tax identification number that will be used to report any interest income earned to the Internal Revenue Service (IRS). Early withdrawal penalties apply
  • Interest rates are subject to change at any time and determined at bank discretion
  • CD Terms Offered:
    • 6 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months
    • 60 months
  • APY = Annual percentage yield and assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Loans

We understand the needs of businesses, so whether you’re starting or expanding a business, we can help.

  • Expand or modernize facilities.
  • Purchase machinery or equipment.
  • Provide seasonal lines of credit.
  • Construct new commercial buildings.
  • Purchase land or buildings.
  • Payments calculated up to a 20 year repayment period
  • Term subject to a 3-5 year balloon payment at the end of term

Please call 800-335-9973 to speak with a loan representative.

Other Services

To reorder checks securely online using your order form, click here. You will be directed to MainStreet Checks.

To reorder checks securely online without your order form, login to online banking and click Check Reorder in the left menu.

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
  • ACH Origination
  • Courier Service
  • Direct Deposit Payroll
  • Wire Transfers
  • Night Deposit
  • Remote Deposit Capture

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.

Unlawful Internet Gambling Notice. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.