Personal Checking

The diverse groups of people that make up the communities served by First Century Bank have various financial needs. That's why we offer eight different checking accounts to serve everyone from the college student to the senior citizen.

All of our checking accounts come with the following complimentary services*:

  • Unlimited Check Writing
  • FREE Visa Debit Card
  • FREE FirstNet Online Banking
  • FREE Notary Service
  • FREE Direct Deposit (Social Security and Payroll Checks)
  • FREE Online Bill Payment

 

First Free Checking

First Free Checking is a non-interest bearing account with no minimum balance and no monthly fee.

  • $50 Minimum to Open

 

First Choice Checking

First Choice Checking is a non-interest bearing account with no minimum balance and a nominal $5 monthly fee.  It includes all the same features as our First Free Checking plus a variety of money saving benefits valued at over $400!

  • First Order of Checks..... FREE - $18 value
  • FREE Automatic Savings
  • $10,000 AD&D Insurance - $40 value
  • $5,000 Identity Theft Coverage - $42 value
  • Safe Deposit Journal - $5 value
  • Key Tag Return - $10 value
  • Credit Card Registration - $15 value
  • KidCare ID - $5.95 value
  • Entertainment Savers Guide - $150 value
  • Theme Park and Movie Tickets - $75 value
  • MemberTravelSource.com
  • Walk-In Pharmacy Card - $79 value
  • $50 Minimum to Open

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First Interest Checking

First Interest Checking provides an option for our customers who want to keep their funds in an interest bearing account.

  • $1000 Minimum Balance
  • $10 Monthly Service Fee if Account Balance Falls Below Minimum Balance (This fee is waived if you have a $2,000 minimum balance in a qualifying savings account. Customer is required to pay for pre-printed checks.)
  • Interest is compounded daily and credited monthly

 

First Interest Plus Checking

First Interest Checking Plus offers customers with average account balances the option to earn interest and receive a few extra benefits.

  • Single Safe Deposit Box Discount
  • FREE Consultation for Trust and Retirement Planning
  • Interest is compounded daily and credited monthly
  • $12,500 Minimum in Qualifying Deposit or Loan Balance
  • $16.25 Monthly Service Fee if Account Balance Falls Below Minimum Qualifying Deposit or Loan Balance

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First Lifestyle Checking

First Lifestyle Checking is an interest bearing account with a low minimum balance that is designed to meet your needs and provide nearly $400 in savings each year.

    • FREE Personalized Checks - $18 value (Limit 2 boxes per year)
    • FREE Cashiers' Checks- $180 value
    • FREE Online Bill Payment - $60 value
    • Single Safe Deposit Box Discount
    • Tiered Rate of Interest
    • Social Activities and Group Travel
    • Member Calendar of Activities 
    • $1,000 AD&D Insurance - $4 value
    • $100,000 Common Carrier Insurance - $40 value
    • Key Tag Return - $10 value
    • Credit Card Registration - $15 value
    • Preferred Hotel Savings Guide - $150 value
    • Entertainment Savers Guide - $150 value
    • Rental Car Discounts - $25 value
    • MemberTravelSource.com 
    • Travel Rewards 
    • Interest is compounded daily and credited monthly
    • $100 Minimum Balance
    • $5 Monthly Service Fee if Balance Falls Below $100 Minimum


First Lifestyle Calendar

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First Lifestyle Plus Checking

First Lifestyle Plus Checking is an interest bearing account with a nominal $5 monthly fee. It includes the flexibility of no minimum balance and an array of money saving benefits totalling nearly $600.

  • FREE Personalized Checks - $18 value (Limit 2 boxes per year)
  • FREE Cashiers' Checks- $180 value
  • FREE Online Bill Payment - $60 value
  • Single Safe Deposit Box Discount
  • Tiered Rate of Interest
  • Social Activities and Group Travel
  • Member Calendar of Activities
  • $1,000 AD&D Insurance - $4 value
  • $100,000 Common Carrier Insurance - $40 value
  • Key Tag Return - $10 value
  • Credit Card Registration - $15 value
  • Preferred Hotel Savings Guide - $150 value
  • Entertainment Savers Guide - $150 value
  • Rental Car Discounts - $25 value
  • MemberTravelSource.com 
  • Travel Rewards 
  • $5,000 Identity Theft Coverage - $42 value
  • Safe Deposit Box Journal - $5 value
  • Theme Park and Movie Tickets - $75 value
  • KidCare ID - $5.95 value
  • Walk-In Pharmacy Card - $79 value
  • 24-Hour NurseLine 
  • Interest is compounded daily and credited monthly
  • $50 Minimum to Open

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First Money Market

  • Interest Bearing Account
  • $2,500 Minimum Balance
  • $12 Monthly Service Fee if Account Falls Below $2,500 Minimum Balance
  • $5 Fee for Excessive Withdrawals
  • Six (6) pre-authorized transfers by check, draft, debit card or similar order made to third parties each four (4) week or similar period

 

First Money Market Plus

  • Interest Bearing Account
  • $5,000 Minimum Balance
  • $15 Monthly Service Fee if Account Falls Below $5,000 Minimum Balance
  • $5 Fee for Excessive Withdrawals
  • Six (6) pre-authorized transfers by check, draft, debit card or similar order made to third parties each four (4) week or similar period
  • Premium rate for balances of $25,000 or more

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*List of features not included on First Money Market and First Money Market Plus Accounts