Checking

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

Free Checking

  • $100.00 minimum balance to open
  • No monthly minimum balance required
  • E-statements only
  • Direct Deposit required
  • Requires use of duplicate checks
  • Unlimited check writing.
  • 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 debit card* usage

MONTHLY FEES: NO SERVICE CHARGE

Regular Checking

Maintenance fee accessed monthly on the following minimum balances:

Balance Fee
Below $500.00                                       $9.00
  • $100.00 minimum balance to open
  • Unlimited Check Writing
  • Unlimited ATM access at any First Commerce Bank ATM
  • Unlimited FCB check card* usage

Commerce Club Checking

  •  $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
  • Many other benefits. (See Commerce Club brochure)

Fees: Monthly club fee of $11.00

President's Club (NOW)

  • $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
  • Many other benefits (see President's Club brochure)

Fees: Monthly service charge of $11.00 waived by: $1,000.00 minimum daily balance in account.

Fees may reduce earnings. Minimum balance required to earn advertised APY. Some restrictions may apply. See bank for details.

* Subject to credit approval.

** Not FDIC Insured/May lose value/Not a deposit/Not insured by a Federal Government Agency

Rate Climber Money Market

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

Tiers Balance
Tier 1 $0 to $9,999.99
Tier 2 $10,000.00 to $49,999.99
Tier 3 $50,000 and higher
  • $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 $11.00 waived by: $2,500 minimum balance in account.

Limited by Federal Law to 6 transactions per month (checks, telephone, Wire or ACH transfers, internet transfers). Excessive withdrawals may result in your account being transferred to another eligible account. Fees may reduce earnings. Minimum balance required to earn advertised APY.

Some restrictions may apply. See bank for details.