Personal Checking Accounts: Your Options at FSCB
From starter accounts to specialized options for those in or nearing retirement, you have plenty of options to consider when choosing a checking account that offers the right mix of features and fees to serve your specific financial needs.
FSCB currently offers seven types of checking accounts as part of our mission to serve every account holder’s needs. Here’s a brief overview of each of these checking accounts and which type of customer might be best suited to each option.
Our standard checking account requires only a $50 opening deposit and has no minimum balance. It also offers all of our standard checking account services, such as identity theft protection. This account comes with an $8 monthly service fee that can be waived if customers meet some basic requirements of using the account.
Best for: General banking customers seeking a simple, no-frills checking account
Horizons Club Checking
This checking account caters to customers ages 50 years and older. Horizons Club Checking expands upon the Preferred Checking option by offering the ability to earn interest on your account balance, as well as a free annual box of checks and a discount on using one of the safe deposit boxes at the bank. Fees for other services, including money orders and cashier’s checks, are also waived.
Best for: Anyone 50 years and older
Super NOW Checking
This bank account requires a minimum opening deposit of $2,500 and requires the same minimum balance to waive monthly fees for the account. Super NOW checking delivers a lot of value by letting consumers earn interest on their account balance and offering unlimited check writing.
Best for: High earners or customers who maintain a high account balance
Enjoy full access to standard checking account features with no monthly fees, no minimum balance, and an opening deposit requirement of just $10.
Best for: Students ages 12-22 (at age 23, this account converts into a Preferred Checking account)
This basic checking account doesn’t offer identity theft protection or other features available through other FSCB checking accounts. However, this free account only requires a $50 opening deposit, and its $4 per month fee can be waived just by signing up for electronic statements.
Best for: Young adults opening their first checking account
New Opportunity Checking
Working to rebuild from bad credit and/or closed bank accounts? This checking account option is available for just a $50 opening deposit and a $9.95 monthly fee. Both the fee and opening deposit may be reduced in exchange for signing up for government direct deposit.
Best for: Customers working to rebuild their credit
Cash Card—Debit Account
Similar to New Opportunity Checking, this debit account option gives consumers access to a debit card even if they’ve struggled to be approved for checking accounts in the past. Cash Card accounts are subject to the same fee schedule as New Opportunity Checking.
Best for: Customers with a troubled credit history in need of simple ways to spend from their checking account