MONEY MARKET ACCOUNT: 
Our Money Market account combines the convenience of a traditional savings account with the higher yield of money market interest rates. 
 
  • Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change, at our discretion, at any time. Interest will be compounded and credited to the account monthly. Interest begins to accrue on the date of deposit if received by 7:00 pm on a business day. Accrued interest will not be paid if account is closed before interest is credited.
  • Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • Limitations: Requires $50 opening deposit. You may have six (6) withdrawals from your account during a statement cycle, which may be payments by check and/or electronic debits to third parties.
  • Account Fees: A $10 per month maintenance charge is assessed if the daily balance falls below $2,500. FCB allows six (6) free withdrawals per statement cycle, with a $3 fee for excess withdrawals per withdrawal after six. You receive unlimited in person over-the-counter withdrawals/transfers at no charge. Additional fees are listed on our Account Fees schedule
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    30-DAY T-BILL MONEY MARKET 
    Our T-Bill Money Market account combines the convenience of a traditional savings account with the higher yield of money market interest rates. 
     
  • Rate Information: The interest rate is variable and paid month. The interest rate and annual percentage yield will vary based on the actual daily balance. The interest rate and annual percentage yield may change on the account monthly on the 25th of the month, if the 25th is not a business day the rate will change the following business day. The rate is based on the 30-Day T-Bill rate. The interest rate and annual percentage yield are included in the Rate Chart. Interest will be compounded and credited to the account monthly. Interest begins to accrue on the date of deposit if received by 7:00 pm on a business day. You must maintain a minimum balance of $50,000 in the account each day to obtain the disclosed APY. Accrued interest will not be paid if the account is closed before interest is credited.
  • Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • Limitations: Requires $50,000 opening deposit. You may have six (6) withdrawals from your account during a statement cycle which may be payments by check and/or electronic debits to third parties.
  • Account Fees: A $10 per month maintenance charge is assessed if the daily balance falls below $2500. FCB allows six (6) free withdrawals per statement cycle, with a $3 fee for excess withdrawals per withdrawal after six. You receive unlimited in person over-the-counter withdrawals/transfers at no charge. Additional fees are listed on our Account Fee schedule.
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    FED FUND MONEY MARKET 
    Our Fed Fund Money Market account offers the convenience of a higher yield of interest on your funds. 
     
  • Rate Information: The interest rate is variable and paid monthly. The interest rate and annual percentage yield will vary based on the actual daily balance. The interest rate and annual percentage will change on the account daily. The interest rate is based on the daily Federal Funds rate. The interest rate and annual percentage yield are included in the Rate Chart. Interest will be compounded and credited to the account monthly. Interest begins to accrue on the date of deposit if received by 7:00 pm on a business day. You must maintain a minimum balance of $100,000 in the account each day to obtain the disclosed APY. Accrued interest will not be paid if the account is closed before interest is credited.
  • Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • Limitations: Requires $100,000 opening deposit. You may have six (6) withdrawals from your account during a statement cycle, which may be payments by check and/or electronic debits to third parties.
  • Account Fees: A $10 per month maintenance charge is assessed if the daily balance falls below $2500. FCB allows six (6) free withdrawals per statement cycle with a $3 fee for excess withdrawals per withdrawal after six. You receive unlimited in person over-the-counter withdrawals/transfers at no charge. Additional fees are listed on our Account Fee schedule.


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