Personal Products
Need an account that is simple and free? Simple Choice is the one for you!
• $100 Minimum to Open
• Non-Interest Bearing
• No Monthly Maintenance Fee
• Unlimited Check Writing
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More than a checking account, First Choice is a money management tool that combines the best of checking and savings. Simply maintain the monthly minimum balance or have a direct deposit of payroll or government check and you can wave good-bye to all those irritating fees, too!
• $250 Minimum to open
• $12.50 Monthly Maintenance Fee
(Fee will be waived if account is established for direct deposit of payroll or government check or if minimum balance greater than $250 is maintained.)
• Tiered Interest Bearing
$0 - $2,499 = 0%
$2,500 - $4,999 = Competitive Interest Rates*
$5,000 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at
bank discretion. Ask a FCB representative or login to online banking for current rate
information.
• Unlimited Check Writing
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Give your money even more earning power. Prime Choice is the money market account that rewards higher balances with higher interest.
• $1,500 Minimum to Open
• $15.00 Monthly Maintenance Fee
(Fee will be waived if minimum balance greater than $1,500 or average balance of greater than $2,500 is maintained.)
• Tiered Interest Bearing
$0 - $2,499 = 0%
$2,500 - $24,999 = Competitive Interest Rates*
$25,000 - $49,999 = Competitive Interest Rates*
$50,000 - $99,999 = Competitive Interest Rates*
$100,000 - $249,999 = Competitive Interest Rates*
$250,000 and up = Prime Minus 3%
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
• Up to 6 withdrawals per statement cycle, only 3 by check per Reg D money market restrictions
• $10 fee per excessive check withdrawal
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• $100 Minimum to open
• $5.00 Quarterly Fee
-Fee will be waived if $250 daily balance is
maintained.
• One free withdrawal each month. Excessive
withdrawal fee of $6.00 for each additional
withdrawal per month.
• $250 minimum daily collected balance required to
earn interest.
• Interest compounds daily on collected balance,
posting on calendar quarter with quarterly
statement, unless electronic activity then monthly
statements.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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A beginner savings account for newborns through 18 years of age.
• $5 Minimum to open
• One free withdrawal each month. Excessive withdrawal fee of $6.00 for each additional withdrawal per month.
•Interest compounds daily on collected balance,posting on semi-annual basis with semi-annual
statement, unless electronic activity then monthly statements.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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| Holiday SPREE Savings Account |
• $25 Minimum to open
• No Monthly Maintenance Fee
• $25 daily collected balance to earn interest.*
• Interest compounds daily on collected balance, posting on calendar quarter
• Account balance plus accrued interest forwarded to owner(s) on November 15th
• $20 per debit fee, if withdrawal made prior to November 15th
• Account closed automatically after full calendar quarter if balance is $0
• Quarterly statement, unless electronic activity then monthly statement
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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• Required $1,000 minimum for a term of three (3) months.
• Interest may be deposited to your FCB Checking Account 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 penalty is equal to one month's earned interest.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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• $1,000 minimum for a term of six (6) months.
• Interest may be deposited to your FCB Checking Account 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 penalty is equal to one month's earned interest.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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• Required $1,000 minimum for a term of one year.
• Interest may be deposited to your FCB Checking Account 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 penalty is equal to three month's earned interest.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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• We will assist you in choosing the best loan to fit your individual needs and budget.
• First Time Homebuyer Programs.
• Construction - Permanent Loans.
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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• For any home project from a new kitchen to a new swimming pool.
• You take care of the ideas, let us take care of the financing.
• A great way to add value to you home.
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan representative.
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| Home Equity Line of Credit |
• A great way to use the value that's accrued in your home.
• Establish a line of credit and write yourself a check when you need it.
• Pay interest only on the amount you borrow.
• Interest may be tax-deductable (Consult your tax-advisor)
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan
representative.
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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.
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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.
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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.
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Business Products
Whether you write numerous checks or just a few, our Business Choice Checking Account offers efficiency. That’s important. Not just for daily money management, but also to maintain good tax records.
• Unlimited Check Writing
• $1,000 Minimum to Open
• No Monthly Maintenance Fee of $10 if you maintain $1,000 minimum daily balance or $2,500 average daily balance**
• No transaction fees for the first 100 checks per statement cycle ($.25 per item thereafter)**
**Waived for Not-for-Profit Organizations
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(Interest Bearing Account for Sole Proprietors)
More than a checking account, Business “NOW” is a money management tool that earns you interest! Simply maintain the monthly minimum balance and you can wave good-bye to all those irritating fees, too!
• Unlimited Check Writing
• $1,000 Minimum to Open
• No Monthly Maintenance Fee of $12 and $.35 per debit transaction fee if you maintain $1,000 minimum daily balance or $2,500 average daily balance**
• $2,500 minimum daily collected balance required to earn interest at Competitive Interest Rates*
• Simple Interest calculation on daily collected balance credited monthly to your account
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
• Exclusively for Not-For-Profit Organizations $1,000 daily collected balance required to earn interest. All maintenance and item fees are waived.
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| Business Prime Money Market |
Give your money even more earning power. Business Prime is the money market account that rewards higher balances with higher interest.
• $2,500 Minimum to Open
• No Monthly Maintenance Fee of $15 if you maintain $2,500 minimum daily balance or $5,000 average daily balance
• Tiered Interest Bearing
$0 - $2,499 = 0%
$2,500 - $24,999 = Competitive Interest Rates*
$25,000 - $49,999 = Competitive Interest Rates*
$50,000 - $99,999 = Competitive Interest Rates*
$100,000 - $249,999 = Competitive Interest Rates*
$250,000 and up = Prime minus 3% (as quoted in the Wall Street Journal)
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current rate information.
• Up to 6 withdrawals per statement cycle, only 3 by check per Reg D money market restrictions
• $10 fee per excessive check withdrawal
• Exclusively for Not-For-Profit Organizations $1,000 daily collected balance required to earn interest. Monthly maintenance fee is waived; withdrawal restrictions per Reg D apply.
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| IOLTA and Analysis Checking |
• Unlimited Check Writing
• $1,000 Minimum to Open
• $15 Monthly Maintenance Fee
• An earning allowance is applied to the daily collected balance less 10% required reserve to offset the monthly maintenance fee. FCB reserves the right to place accounts on analysis with notification to the customer.
• Earnings allowance based on Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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• Required $1,000 minimum for a term of three (3) months.
• Interest may be deposited to your nBank Checking Account 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 penalty is equal to one month's earned interest.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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• Required $1,000 minimum for a term of six (6) months.
• Interest may be deposited to your nBank Checking Account 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 penalty is equal to one month's earned interest.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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• Required $1,000 minimum balance and a term of one year.
• Interest may be deposited to your FCB Checking Account 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 penalty is equal to three month's earned interest.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for
current interest rate information.
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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.
• Long repayment terms (up to 20 yrs on Real Estate)
Please call 1-800-332-8231 or 706-335-8200 to speak with a loan
representative.
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Your customers prefer paying by credit and debit cards. Accepting these cards reduces your overhead by eliminating the collection and paperwork associated with handling cash and checks. That’s why it’s so important to have the right electronic payment processing partner. With our service, you’ll enjoy:
• Fast, dependable service
• The latest technology to get your funds into your account quickly
• Experienced, on-going support to keep the process running smoothly
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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.
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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
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• ACH Origination
• SEPs/Retirement Services
• Courier Service
• Direct Deposit Payroll
• Wire Transfers
• Night Deposit
• Remote Deposit Capture
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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.
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