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.
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.
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Basic Checking |
Interest Checking |
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Description |
Basic checking account with no monthly maintenance fee. |
Earn interest on checking balances. |
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Initial Opening Deposit Requirement |
$50 |
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Transaction Fees |
None. |
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Monthly Service Charge |
None. |
$10 if balance not met. |
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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. |
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Earns Interest? |
No |
Yes |
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Interest Compound Method |
Not applicable. |
Monthly |
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Online and Mobile Banking |
Free |
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Online Bill Pay |
Free |
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Number of Monthly Transaction |
Unlimited |
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ATM/Debit Card Access |
Yes |
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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). |
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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.
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Savings |
Money Market |
Premium Money Market |
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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. |
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Initial Opening Deposit Requirement |
$50 |
$50 |
$50 |
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Transaction Fees |
None. |
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Minimum Balance Fee |
None. |
$10 if balance not met. |
$10 if balance not met. |
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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. |
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Earns Interest? |
Yes, based on tiered rates. |
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Interest Compound Method |
Monthly |
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Online and Mobile Banking |
Free |
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Online Bill Pay |
Free |
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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. |
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Excessive Transaction Charges |
$2.00 per transaction over six (6). |
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Checkwriting Capabilities |
No |
Yes |
Yes |
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ATM/Debit Card Access |
Yes |
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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). |
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Send money to anyone, anytime using their email address or mobile number with FBCO People Pay. It’s a fast, free and convenient way to send money without having to share personal information or bank account numbers.
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.
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.
