FamilyPersonal Checking

With Us, It's Personal

You have a life and you want things that make it better. We get it! That’s why we offer products and services that can make your life easier. From no frills to all the bells and whistles, compare our checking accounts to find the one that works best for you.

Compare Our Checking Accounts

Account Type

Basic Checking

Freedom Checking

Classic Checking

Premier Checking

Personal Money Market Checking


Our Basic Checking offers students high tech conveniences with no balances or monthly fees

Get the basics you need for
day-to-day banking, with a low monthly service charge

Everything improves with age. First Capital Bank’s Classic
Checking account offers many great services and benefits for customers age 50+

A checking account for those with higher balances who enjoy convenient access to your account while earning a premium interest rate If you’re looking for a place to park some money where it will earn higher interest than a checking or savings account and you want easy access to the funds, the Money Market account might be the right option for you

Minimum Opening Balance






Monthly Charge






Earns Interest





to earn
interest is

Yes - paid


Qualifiers to Waive Monthly Charge


Monthly Direct Deposit or maintain a minimum daily balance of $400.00 during statement cycle

Monthly Direct Deposit or maintain a minimum daily balance of $400.00 during statement cycle

Average daily balance of
$2,500.00 OR Total loan balance of $50,000.00 or greater with FCB OR Have $25,000.00 or greater in combined deposits with FCB

Waived if balance is above $1,000.00 in a statement cycle

Miscellaneous Information

Age requirement: 16-24, under 18 will need a parent or guardian

Converts to Freedom
Checking at 24


FREE first order of basic checks

1/2 price on a safe deposit box (Subject to availability)

FREE Cashier’s Checks

4 FREE Domestic Wires each month

Limited to 6 Third Party
Transactions per month

Unlimited over the counter
transactions ($15.00 per
Third Party Transaction over 6 in a statement cycle)

Consumer Checking

FREE with all First Capital Bank Checking Accounts:

  • FREE VISA ATM/Debit Card
  • FREE Online Banking with Bill Pay
  • FREE Mobile Banking*
  • FREE Text Banking*
  • FREE Notary Service for our customers

*Your third party provider may charge for message and data plans 

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