Essential Checking






Avoid monthly maintenance fees PLUS earn Cash Back Rewards.

Want to avoid monthly maintenance fees and
earn cash back?

Essential Checking from FCB is designed for customers who want to leverage their higher checking balances to receive more favorable terms, like avoiding monthly maintenance fees and receiving Cash Back Rewards each month.

Open your Essential Checking account today with $100 or more and take advantage of all the great features this account offers, including:

  • FREE Online Banking & Bill Pay
  • FREE FCB Visa® Debit Card
  • UNLIMITED ATM usage at all FCB banking centers and Publix Presto® ATM locations at NO charge1 — a network of over 1,000 ATMs
  • FREE Telephone and Mobile Banking2, so you can bank at your convenience
  • FREE eStatements, to help you eliminate paper clutter
  • Complimentary first order of custom Essential checks3

Enjoy NO monthly maintenance fee4 when you:

- Maintain a $1,000 minimum average daily balance; or
- Are age 55 or older

Start earning Cash Back Rewards immediately by signing up for direct deposit and conducting signature-based debit card transactions for a maximum reward of $10 per statement cycle.

Apply for an FCB Visa® Credit Card5 for even greater purchasing power!

Speak with a friendly FCB banking representative to open your Essential Checking account today — we’re here to serve you.


Download our Essential Checking flyer


Compare Checking Accounts



FCB Rewards Program 


Order Checks Online

Order your checks online from Harland Clarke®, our preferred provider.
Secure, Fast Ordering - Ordering checks online from Harland Clarke® is as safe and secure as ordering them in person or over the phone.  The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.   Click here to order checks online.


Contact Us

To learn more and discuss your options, stop by your neighborhood FCB banking center or call us toll-free
at 1.866.764.0006.  Click here for other contact options.

For a personal presentation of the advantages FCB provides to our customers,
visit any of our full service banking centers.


Florida Community Bank is committed to providing best in class customer service that is uniquely tailored to help you achieve your financial goals. You can trust our friendly, knowledgeable staff to provide you with the tools needed to guide you through the different stages of life’s journey.


Programs, rates, terms and conditions may vary and are subject to change without notice and may be withdrawn at any time. 1. Cash withdrawals, balance inquires and transfers between accounts are surcharge-free transactions at any Publix Presto® ATM. 2. Fees may apply; check with your mobile phone service provider. 3. First order of standard checks is free; thereafter fees will apply. 4. Maintain a minimum average daily balance in the account each month of a least $1000 or at least one account owner must be 55 years of age or older to avoid the $15 monthly maintenance fee. 5. Subject to credit approval. Application for a credit card may impact your credit score.