Select a Checking Account that Works for You
First County Bank Customers can save time selecting the Open an Account tab in our Online Banking tool.
New to First County Bank? Compare accounts and apply online below.
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| YOUR BENEFITS | MyChoice Checking Checking Account geared towards students – so they can take charge of their money. 6,7,8 | ValueAccess Checking with BaZing BaZing powered savings, discounts and benefits, including online and mobile banking | FirstAccess Checking The best choice for a simple checking account | High Yield Checking (with qualifiers) For active checking account users looking to earn higher interest |
InterestAccess Checking For those who maintain higher balances and want to earn interest |
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| Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | |
| Online Banking, Bill Pay & E-Statement 6 | . | . | . | . | . |
| Mobile Banking | . | . | . | . | . |
| Surcharge Free Allpoint ATM Access 1 | . | . | . | . | . |
| No Monthly ATM Debit Card Fee | . | . | . | . | . |
| BaZing Fuel 2,5 Earn 10 cents/gal up to 20 gallons each month with 15 debit card swipes | . | ||||
| Roadside Assistance 2 Available 24/7, free to use and up to $80 in covered service charges | . | ||||
| Health Savings Card 2 Save money on prescriptions, vision and hearing services |
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| Cell Phone Protection 2 | . | . | |||
| Identity Theft Protection 2 | . | . | |||
| Travel Protection 2 $10,000 Travel Accidental Death Coverage | . | ||||
| Shopping, Dining & Travel Discounts 2 Local discounts and national retailer deals to save you money | . | ||||
| Earns Interest | . | . | |||
| Monthly Maintenance Service Charge | $10.00 | $7.00 | $12.00 | $12.00 | $15.00 |
| Important Information About How to Avoid the Maintenance Service Charge OR Earn Higher Interest | Monthly Maintenance Service Charge does not apply if at least ONE of the following qualifications are met: - Customer maintains a $1000 daily collected available balance. - Cumulative direct deposits total $500 or more during each statement cycle. - Primary account holder is under 25.7 |
A Monthly Maintenance Service Charge will always apply. | Monthly Maintenance Service Charge does not apply if at least ONE of the following qualifications are met: - Customer maintains a $500 daily collected available balance - Cumulative direct deposits total $500 or more during each statement cycle. |
Monthly Maintenance Service Charge does not apply if a customer maintains a $500 daily collected available balance. If the daily collected available balance falls below $500 at any time during the statement, a $12.00 charge will apply. Variable rate account. See Disclosures for Qualifier Information.4 | Variable rate account. Monthly Maintenance Service Charge does not apply if a customer maintains $1,000 daily collected available balance or $50,000 in combined loan and deposit balances (excluding credit cards).3 |
Refer to the Consumer Deposit Account Schedule of Charges, the Business Deposit Account Schedule of Charges, and all applicable account disclosures and agreements for additional charges, fees and/or limitations that may apply. You will be charged foreign ATM (Non-First County Bank/Non-Allpoint) fees.
1 First County Bank is a member of the Allpoint network, giving you access to more than 43,000 ATMs in the continental U.S. and certain areas internationally. There are no transaction fees or surcharges when you use Allpoint member ATMs (within the continental U.S.) to access your First County Bank account.
2 Insurance products are not FDIC insured; not insured by any government agency, not a deposit or other obligation of First County Bank, not guaranteed by First County Bank, and are subject to investment risk, including the possible loss of the principal. BaZing Value Access and BaZing MyChoice Checking benefits are subject to limits, additional terms and conditions. For BaZing Value Access see BaZing for benefit details, terms and conditions www.BaZing.com and for BaZing MyChoice Checking benefits details, terms and conditions see https://bazing.com/fcbguides.
3 A “Monthly Maintenance Service Charge” of $15.00 will apply if: (1) at any time during the “InterestAccess” checking account statement cycle, the end of day collected available balance falls below $1,000.00; or (2) if at any time during the “InterestAccess” checking account statement cycle period, your combined deposit and loan balances (held with First County Bank) fall below $50,000.00. Deposit account balances are assessed based on the daily collected available balance. Loans balances are assessed based on the principal loan amount (excluding credit cards).
4 Annual Percentage Yield (APY) is subject to change. Minimum balance to open the account is $50.00 (all tiers). High Yield Checking Account Qualifiers are: at least twelve (12) qualifying debit card Point of Sale (POS) purchase transactions that post and settle within the statement cycle; AND at least one (1) direct deposit transaction posts and settles within the statement cycle to this account; AND be enrolled in and agree to receive electronic periodic account statements (eStatements) for the statement cycle and discontinue receipt of paper periodic account statements for this account. Fees could reduce earnings. See Checking Account Disclosure for further details. Interest is paid at the listed rate on the daily collected balances on deposit in each tier, creating a blended interest rate for the entire balance.
5 BaZing Fuel requires activation and qualifications apply. See enclosure for additional terms and conditions. For full disclosures and terms and conditions go to https://bazing.com/fibfuel.
6 In addition to the Monthly Maintenance Service Charge you will be assessed a $5.00 Paper Statement Fee. You can avoid the Paper Statement Fee by enrolling in Online Banking and electing eStatements before the end of your statement cycle, including the first statement cycle after opening the account.
7 To avoid the Maintenance Service Charge based on your age you must be at least 16 years of age to open this account as the Primary Signer/Accountholder. Primary Signer/Accountholders 16 and/or 17 must have a parent or guardian as a joint accountholder. The “Monthly Maintenance Service Charge” for the MyChoice Checking account may be avoided if: (1) you maintain and end of day collected balance of at least $1,000.00 in the “MyChoice” checking account for the entire statement cycle; or (2) if cumulative direct deposits totaling $500.00 or more posts and settles within the statement cycle to your “MyChoice” account; or (3) the Primary Signer/Accountholder on the “MyChoice” checking account is under the age of 25 for the entire statement cycle.
8 Standard Overdraft services are NOT available for this account. In addition, you CANNOT opt in to authorize and pay overdrafts on ATM and everyday debit card transactions. If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. In the case that your account is overdrawn, you will not be charged an overdraft fee. See full Checking Account Disclosures for complete details.
