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July 19-August 7

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at any FCB Location

Business Checking

We're Everything Your Business Needs in a Bank!

FCB Commercial Checking
FCB Commercial Interest Checking
FCB Commercial Money Market
Simplified Business

	FCB Commercial Checking	FCB Commercial Interest Checking	FCB Commercial Money Market	Simplified Business
Opening Deposit	$100.00	$100.00	$1,000.00	$100.00
Minimum Balance	$1000.00	$1,000.00	$1,000.00	No Minimum Balance
Service Charge	If the balance falls below the minimum anytime during the statement cycle, there is a $10 monthly service charge. When your daily collected balance is maintained above $1000.00 and your earnings credit is sufficient to cover the services used, your account is SERVICE CHARGE FREE.	If the balance falls below the minimum anytime during the statement cycle, there is a $10 monthly service charge. The cost of the services used during the month is subject to the bank’s Commercial Account Analysis.	If the balance falls below the minimum anytime during the statement cycle, there is a $10 monthly service charge	SERVICE CHARGE FREE
Account Activity Charges	Deposits-FREE Deposited Items-.07 Each Paid Items-.16 each Statement Processing-$3.00 Earnings Credit-Available	Deposits-FREE Deposited Items-.07 Each Paid Items-.16 each Statement Processing-$3.00 Earnings Credit-Available	Six free withdrawals are allowed each month, three of which may be made by check. Excess withdrawals are charged $10.00 each and excess deposit activity may be subject to the bank’s normal Commercial Account Analysis	Deposited Items-100 FREE Paid Items-50 FREE Statement Processing-FREE Additional Transactions: < 50 paid items=.35
Interest	Does not apply	Interest is accrued daily and paid monthly on the daily collected balance. If the account is closed before interest is credited, you will not receive the accrued interest. These rates are subject to change at any time without prior notice. View Rates	Interest is accrued daily and paid monthly on the daily collected balance. If the account is closed before interest is credited, you will not receive the accrued interest. These rates are subject to change at any time without prior notice. View Rates	Does not apply
Electronic Banking & Phone Banking	FREE	FREE	FREE	FREE
Bill Pay & Business Direct	Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill Business Direct	Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill Business Direct	Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill Business Direct	Bill Pay-$3.99/month (up to 10 bills). Over 10 bills-.30 per bill Business Direct
Additional Business Products and Service: Merchant MasterCard and Visa Processing Check Verification Gift/Loyalty Cards Wireless Solutions PC Processing Prepaid Phone/Wireless Cards Discover and American Express Processing Commercial Credit Cards FCB Business Direct (Commercial Online Banking, Cash Management, ACH Origination) Sweep/Repurchase Agreement Accounts Deposit Express FCB Debit BusinessCard Click Here for Miscellaneous Business Charges
Additional Information: If any Business/Commercial Account is closed within 7 months, there is a $15 closing fee. FCB Banks is participating in the FDIC’s Transaction Account Guarantee Program. Through Dec 31st, 2009, all non-interest bearing transaction accounts, IOLTA accounts and interest bearing checking accounts earning up to .50% are fully guaranteed by the FDIC for the entire amount in the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. Temporary Liquidity Guarantee Program FCB Banks is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. On July 21, 2010, FDIC insurance coverage was permanently raised to $250,000. The FDIC insurance limit applies per depositor, per insured depository institution for each account ownership category.

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