Are FCB deposit accounts FDIC insured?
Yes! Each individual customer at FCB is insured by the FDIC up to $250,000.

Temporary Changes to FDIC Deposit Insurance Coverage
The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. On October 14, 2008, the FDIC announced its temporary Transaction Account Guarantee Program, providing depositors with unlimited coverage for noninterest-bearing transaction accounts if their bank is a participant in the FDIC's Temporary Liquidity Guarantee Program. Noninterest-bearing checking accounts include Demand Deposit Accounts (DDAs) and any transaction account that has unlimited withdrawals and that cannot earn interest. Also included are low-interest NOW accounts that cannot earn more than 0.5% interest. Interest-bearing accounts include NOW accounts that can earn more than 0.5% interest, other interest-bearing checking accounts, Money Market Deposit Accounts (MMDAs), savings accounts, and Certificates of Deposit (CDs). This program is scheduled to end on December 31, 2009.

How do I set up Direct Deposit of my payroll check?
As an FCB checking customer you have FCB's routing and transit number and your account number on your checks. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

How do I set up Direct Deposit of my Social Security check?
As an FCB checking customer you have FCB's routing and transit number and your account number on your checks. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Can I get information about my account by phone?
Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about our Answer Line system (524.0800 or 1.800.464.0800) for automated account information 24 hours a day.

What products can I apply for online?
Check out FCB's Products and Services page to see which accounts you can apply for online.

Does FCB offer IRAs online?
Currently, FCB does not offer IRAs online; however, we continually update our Products and Services section so check back with us soon! To see what we currently offer, visit our Products and Services page.

Is interest paid on FCB checking accounts?
Yes! If you want a checking account that pays a market rate of interest, check out our Money Manager 5000 Account.

Can I do all of my banking with FCB?
Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.

Can I look at all of my transactions at any time?
Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

How frequently is my FCB information updated?
FCB updates all customer information nightly. Whether you access our Online Banking site or visit our customer service department, your account information is updated every day to reflect all account activity.

Are wire transfers possible to and from my FCB checking account?
Yes! Funds can be transferred to and from FCB accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at 319.524.6921 for details.

How do I make a deposit to my account from a remote location?
You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. FCB also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.