Personal Banking

Business Owners are People, Too

FBCO provides a complete range of personal banking services for both its business clientele and the general public – everything from personal checking and savings accounts to high-yield certificates of deposits and home mortgages.

Photo of a customer reviewing his checking account details on a mobile tablet.

Personal Checking

Low minimum to open your account
Unlimited counter transactions
Free online banking
Free ATM/Debit Card access¹

FBCO offers personal checking options to meet all of your everyday banking needs. Whether you’re looking for a simple, no-fee structure or an account that earns interest on your daily balance, our personal banking specialists will get you set up with a solution that makes sense for you.

FBCO Personal Checking Accounts

	Basic Checking	Interest Checking
Description	Basic checking account with no monthly maintenance fee.	Earn interest on checking balances.
Initial Opening Deposit Requirement	$50
Transaction Fees	None.
Monthly Service Charge	None.	$10 if balance not met.
Balance Requirement to Avoid Monthly Service Charge	$0	Maintain an average daily balance greater than $1,000 or total average daily balance if your personal deposit relationship is less than $5,000.
Earns Interest?	No	Yes
Interest Compound Method	Not applicable.	Monthly
Online and Mobile Banking	Free
Online Bill Pay	Free
Number of Monthly Transaction	Unlimited
ATM/Debit Card Access	Yes
ATM/Debit Card Fees	No fees are charged by FBCO; rebate of other bank’s ATM fees on the first six (6) transactions each statement cycle (using transaction posting date).

Personal Savings

No or low minimum balances
No monthly fees²
Free online banking
Tiered interest rates
Free ATM/Debit Card access¹

Photo of a young couple with toddler looking into the camera and smiling.

FBCO will help you build a savings plan that accomplishes both your short-term and long-term financial goals. With highly competitive rates and no monthly fees², these accounts offer a safe investment option, and can be used as overdraft protection on your FBCO checking account.

FBCO Personal Savings Accounts

	Savings	Money Market	Premium Money Market
Description	Competitive interest rates on low account balances.	Competitive money market interest rates with a low minimum balance requirement.	Rewards higher balances with higher interest rates of return.
Initial Opening Deposit Requirement	$50	$50	$50
Transaction Fees	None.
Minimum Balance Fee	None.	$10 if balance not met.	$10 if balance not met.
Balance Requirement to Avoid Minimum Balance Fee	Not applicable.	Maintain an average daily balance greater than $1,000.	Maintain an average daily balance greater than $10,000.
Earns Interest?	Yes, based on tiered rates.
Interest Compound Method	Monthly
Online and Mobile Banking	Free
Online Bill Pay	Free
Number of Monthly Transactions	Unlimited Deposit; six (6) pre-authorized, automatic, telephone, electronic (including ACH), online and other transfers and withdrawals not made in person at a branch or by an ATM per month, regardless of the method of transfer or withdrawal.
Excessive Transaction Charges	$2.00 per transaction over six (6).
Checkwriting Capabilities	No	Yes	Yes
ATM/Debit Card Access	Yes
ATM/Debit Card Fees	No Fees are charged by FBCO; rebate of other bank’s ATM fees on the first six (6) transactions each statement cycle (using transaction posting date).

Zelle®

As quick and easy as cash
Pay contacts in less than a minute
Free when using the FBCO mobile app
Quick, convenient and secure
Learn More

Send money to anyone, anytime using their email address or mobile number with Zelle®. It’s a fast and convenient way to send money without having to share personal information or bank account numbers.

Photo of customer using smart phone at POS terminal.

Mobile Wallet

Pay securely using your mobile device
Shop in-store, in-app or online
Replaces your physical credit or debit cards
Works with Apple Pay®, Samsung Pay® or Google Pay®
Faster and more convenient to pay

With a mobile or digital wallet, your actual card number is replaced with a unique virtual code each time you use it, which means businesses never see or store your personal information. Just hold your smartphone, tablet or smartwatch near the payment terminal and confirm – it’s that simple.

External Transfers

Use your checking or savings accounts
Set up recurring transfers
Works through FBCO Online Banking
Quick, convenient and secure

Photo of customer banking on his smart phone.

FBCO makes it simple and safe to move funds between your FBCO accounts and those you hold at another financial institutions at no cost with external transfers – part of our online and mobile banking solution.

¹No fees are charged by First Bank of Central Ohio; rebate of other banks’ ATM fees on the first six (6) transactions each statement cycle (using transaction posting date).
²As long as minimum balance requirements are maintained.