Checking Accounts

Basic Checking

Join a community bank where friendly, personalized service is the norm and every account feature you’ll ever need in one place. FCSB customers have full access to Online and Mobile Banking, a suite of powerful tools and apps that make it easy to track your spending, pay bills, send money, deposit checks and more. Maintain a minimum balance required every day to avoid a maintenance fee. Enjoy these key features:

  • FREE ATM/Debit Card.
  • FREE Starter checkbook.
  • FREE Mobile check deposit, bill pay and more.¹
  • FREE mobile banking apps for easy access to funds.¹
  • Surcharge-free transactions at any Allpoint ATM.
  • Depositors insured by the FDIC.

¹Your carrier’s standard text/data rates may apply. 


Smart Consumer Money Market

With our Smart Money Market account, you earn a competitive rate if you maintain balance requirements plus easy access to your money. It’s an ideal account for building an emergency fund or saving for a large purchase. Plus, you’ll still have access to your money with the ability to write checks. Maintain a minimum balance required every day to avoid a maintenance fee.

  • FREE Online Banking and Bill Pay.¹
  • FREE Mobile Banking with Mobile Deposit.¹
  • Tiered interest earning.
  • Depositors insured by the FDIC.

¹Your carrier’s standard text/data rates may apply.


Now Checking

An interest-bearing checking account that’s perfect for those needing availability of their funds with the added benefit of competitive rates on the entire balance. Maintain a minimum balance required every day to avoid a maintenance fee. Enjoy these key features:

  • FREE ATM/Debit Card.
  • FREE eStatements.
  • FREE Mobile Banking with Mobile Deposit.¹
  • Depositors insured by the FDIC.

¹Your carrier’s standard text/data rates may apply.

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact your branch for a replacement. 24 Hour Card Member Service at 1-800-554-8969.

Open an eCD Online Today!Icon For: Rates

Term Rate APY
12-Month 0.30%** 0.30%**
24-Month 0.30%** 0.30%**
36-Month 0.30%** 0.30%**
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**See ALL Rates and Disclosures

Open an eMM Online Today!

Opening an account will only take 10 minutes. Learn more