First Account

Let the First Account, a checking account for 14-to-18 year olds, help you teach your teenager or young adult about everyday financial management.

Use the account to help teach your child about the basics of financial management including the importance of budgeting and saving. Deposit your child’s allowance into the First Account and encourage your child to use the account for gift money and earnings from part-time or summer jobs. Then, you and your child can work together to set savings goals and monitor how the funds are spent.

And because the First Account is a joint account between parent and child, you’re always in control.

  • Joint account between a child, age 14-18, and parent or guardian
  • Low minimum opening deposit – just $25
  • No minimum balance required and no monthly maintenance fee
  • MasterCard® debit card with unlimited free debit card transactions
  • Access to more than 20,000 ATMS with no fees charged for first four ATM withdrawals per statement cycle1
  • Check your balances, deposit checks, and receive account alerts on your mobile device with MobileCommand mobile banking
  • Manage your accounts and pay and receive bills with OnCommand online banking and bill pay
  • Free Coverdraft protection2
  • Convenient digital eStatements
  • Unlimited telephone banking at no charge
  • FDIC insured

View current applicable fees.

1 FCB does not charge a fee for the first 4 ATM withdrawals per statement cycle, subsequent transactions will be charged $1.50 each. There is no surcharge to FCB Debit or ATMs in the MoneyPass® network. FCB will rebate other ATM surcharge fees, charged by ATM owners, up to $12 per statement cycle.

2 Coverdraft available from another FCB deposit account, FCB Visa® or FCB line of credit. Amount charged to FCB Visa card is subject to cash advance finance charges. See cardholder agreement for details.