Personal Accounts

We provide personal care for personal accounts. Your money, your options, more freedom.

Checking

First Free Checking

  • No Minimum Monthly Balance Requirements
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Unlimited Debit Card Purchases

First Interest Checking

  • $1,500+ Minimum Balance
    No Monthly Charge
  • $1,250–$1,499.99 Minimum Balance
    $3.00 Monthly Charge
  • $0–$1,249.99 Minimum Balance
    $6.00 Monthly Charge
  • Interest Accrued Daily and Paid Monthly
  • See Current Interest Rates

First Prime Checking

  • Available to Persons 50 Years of Age and Older
  • No Monthly Service Charge
  • Interest Accrued Daily and Paid Monthly
  • Unlimited Check Writing
  • Free Bank by Mail
  • Free Standard Personalized Checks
  • Free Notary Service
  • See Current Interest Rates

OPEN YOUR ACCOUNT

It’s easy to open your new FNBCT checking account, just like banking should be.

Let’s Get Started

Savings

First Savings

  • Minimum Opening Balance $100
  • Activity Fee of $1.00 for each Debit in Excess of Six each Month
  • Interest Accrued Daily and Paid Quarterly
  • See Current Interest Rates

Checking & Savings Notes

  1. Account holders receive complimentary notary service at any of our five locations.
  2. Online Banking, BillPay and E-Statements are available for all accounts.
  3. Mobile processing service offered by TIB
  4. Each checking account requires a minimum opening balance of $100
  5. First Free Checking, First Interest Checking, and First Prime accounts are eligible for $500.00 overdraft protection.

CDs & IRAs

Certificates of Deposit & IRAs

  • Minimum Opening Balance $1,000
  • Terms from 30 Days to 5 Years
  • Interest Accrued Daily and Paid Quarterly
  • See Current Interest Rates

Money Market

First Money Market Checking

  • $1,500+ Minimum Balance
    No Monthly Charge
  • $1,250–$1,499.99 Minimum Balance
    $3.00 Monthly Charge
  • $0–$1,249.99 Minimum Balance
    $6.00 Monthly Charge
  • Interest Accrued Daily and Paid Monthly
  • See Current Interest Rates

First Investment Checking

  • Tier 1 : $0–$24,999.99
  • Tier 2 : $25,000–$99,999.99
  • Tier 3 : $100,000+
  • $2,500+ Minimum Balance
    No Monthly Change
  • Below $2,500 Minimum Balance
    $7.50 Monthly Charge
  • Minimum Opening Balance $25,000
  • Free Online Banking
  • Interest Accrued Daily and Paid Monthly
  • See Current Interest Rates

The interest rate paid on this account based on the average daily account balances listed in the above tiers.

Money Market Notes

  1. Transfers to another account or to third parties by preauthorized, automatic, electronic or telephone transfer are limited to six per month with no more than three by check to third parties.