Checking Accounts That Fit Your Lifestyle

Whether you’re just starting out, heading for retirement, or somewhere in between, a checking account that fits the way you live is a necessity. That’s why at First Commerce Bank we offer a full variety of checking accounts and services. We suggest that you take a few moments to review our accounts. Tell us what your expectations are, how you use banking services and what is important to you. Then, together we can select an account that best meets your needs. Please contact any First Commerce Bank customer service representative for details.

• Free Checking
• Regular Checking
• Commerce Club Checking
• President's Club
• Rate Climber Money Market
• Automatic Credit Line*

• $100.00 minimum balance to open.
• No monthly minimum balance required.
• E-statements only.
• Direct Deposit required.
• Requires use of duplicate checks
• 2 free check copies, per statement cycle, at no charge, then $5 each.
• Unlimited check writing.
• Unlimited ATM access at any First Commerce Bank ATM.
• Unlimited FCB check and card* usage.
• Overdraft protection (Subject to credit approval.)
  MONTHLY FEES: NO SERVICE CHARGE

Maintenance fee accessed monthly on the following minimum balances:

• $100.00 minimum balance to open.
  
• Unlimited Check Writing.
  
• Students and age 65 and over receive free basic checks.
  
• Unlimited ATM access at any First Commerce Bank ATM.
  
• Unlimited FCB check card* usage.
  
• Overdraft protection. (Subject to credit approval.)

• $100.00 minimum balance to open.
  
• Includes $10,000 accidental death insurance***.
  
• Official Commerce Club checks provided at no charge.
  
• No monthly minimum balance required.
  
• Unlimited check writing.
  
• Unlimited FCB check card* usage.
  
• Unlimited ATM access at any First Commerce Bank ATM.
  
• Overdraft Protection. (Subject to credit approval.)
  
• Many other benefits. (See Commerce Club brochure)

Fees: Monthly club fee of $10.00.

• $1,000.00 minimum balance to open.
  
• Includes $100,000 common carrier insurance***.
  
• Unlimited check writing.
  
• Official President’s Club checks provided at no charge.
  
• Unlimited FCB check card* usage.
  
• Unlimited ATM access at any First Commerce Bank ATM.
  
• Competitive interest rates on balances above $1,000.00.
  
• Overdraft Protection. (Subject to credit approval.)
  
• Many other benefits (see President's Club brochure).

Fees: Monthly service charge of $10.00 waived by: $1,000.00 minimum daily balance in account.

Interest accrues on the daily ledger balance and is credited monthly. Interest rates increase automatically as balance grows through three tiers.

• $2,500 minimum balance to open.
  
• Competitive interest rates on balances above $2,500.
  
• Tiered interest rates for higher returns.
  
• Funds available by: Check, Over-the-counter withdrawal, ATM.

Fees: Monthly service charge of $10.00 waived by: $2,500 minimum balance in account.

Limited by Federal Law to 6 transactions per month (checks, telephone, Wire or ACH transfers) and only 3 may be payable to a third party by check. Excessive withdrawals may result in your account being transferred to another eligible account.

A personal line of credit that is tied to your checking account. ACL automatically deposits funds up to your preapproved limit in case you make a mistake in your checkbook.

• Automatically deposits funds up to your pre-approved limit to cover your overdraft.
  
• Automatically credits your ACL account when your next deposit is made.
  Accrues at an 18 percent per annum interest rate.
  
• Ask any First Commerce Bank customer service representative for details.

Fees: Monthly service charge of $5.00.

*  Subject to credit approval
***NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK [OR SAVINGS ASSOCIATION].