Personal Banking Products

At First Century Bank, we pride ourselves in providing services that add value to members of our community. Here is an overview of products available at FCB:

Looking for Business Products?

Checking Products

  • $100 minimum to open
  • No monthly maintenance fee
  • Non-interest bearing
  • Unlimited check writing
  • Free checks at account opening
  • ATM rebates available
  • Monthly statement cycle
  • $100 minimum to open $100
  • $15.00 monthly maintenance fee
  • $1,000 minimum balance requirement to avoid a monthly maintenance fee
  • Free checks at account opening only
  • ATM rebates available
  • Monthly statement cycle
  • 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
  • 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.

Savings Products

  • $100 minimum to open
  • $5.00 quarterly maintenance fee
  • $250 balance requirement to avoid quarterly fee
  • 3 free withdrawals per quarterly statement
  • $3 fee per withdrawal when in excess of 3 per quarter
  • 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

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.

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

  • For emergencies or any other important major purchase.
  • Payment may be automatically deducted from your checking account.
  • Generally lower rates than a credit card!
  • Please call 800-335-9973 to speak with a loan representative.
  • 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.
  • Payments calculated up to a 20 year repayment period.
  • Term of 5 years with a balloon payment at end of term.
  • 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.

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.

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.

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.