Personal Products
Unlawful Internet Gambling Notice. Restricted transactions as
defined in Federal Reserve Regulation GG are prohibited from
being processed through this account or relationship.
Restricted transactions generally include, but are not limited to,
those in which credit, electronic fund transfers, checks, or drafts
are knowingly accepted by gambling businesses in connection with
the participation by others in unlawful Internet gambling.
Need an account that is simple and free? Free Checking is the one for you!
• FREE first box of checks
• FREE online banking and bill payment
• Reimbursement of up to $10 per month in ATM fees.
• $100 Minimum to Open
• Non-Interest Bearing
• No Monthly Maintenance Fee
• Unlimited Check Writing
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Are you a student? This free checking account is all about you!
• FREE first box of checks
• FREE online banking and bill payment
• Reimbursement of up to $10 per month in ATM fees.
• $100 Minimum to Open
• Non-Interest Bearing
• No Monthly Maintenance Fee
• Unlimited Check Writing
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You’ve worked hard for your money. Keep it. Our Free Senior Checking, for people age 50 or older, offers convenience with no monthly service fees.
• FREE first box of checks, then 1 free box per year
• FREE online banking and bill payment
• Reimbursement of up to $10 per month in ATM fees.
• $100 Minimum to Open
• Non-Interest Bearing
• No Monthly Maintenance Fee
• Unlimited Check Writing
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More than a checking account, First Rate Checking is a money management tool that combines the best of checking and savings. Simply maintain the monthly minimum balance and you can wave good-bye to all those irritating fees, too!
• FREE online banking and bill payment
• Reimbursement of up to $10 per month in ATM fees.
• $1,000 Minimum Deposit required to open
• $1,000 Minimum Daily Balance to avoid $12 Monthly Maintenance Fee
• Unlimited Check Writing
• Tiered Interest Bearing
$0 - $999 = 0%
$1,000 - $2,499 = Competitive Interest Rates*
$2,500 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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Interest Bearing Checking Account includes:
• FREE Online Banking
• FREE Bill Pay
• FREE Debit Card (With Approval)
• FREE Box Of Checks Upon Account Opening & One Box Per Year
• Reimbursement of up to $10 per month in ATM fees.
• Minimum opening deposit of $100 is required.
• Monthly maintenance fee of $15 will apply if daily balance falls below $3,500 during statement cycle.
• Minimum daily balance to earn interest is $3500*
$3,500 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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Interest Bearing Checking Account includes:
• FREE Box Of Checks Upon Account Opening & One Box Per Year
• FREE online banking and bill payment
• Reimbursement of up to $10 per month in ATM fees.
• $100 Minimum deposit required to open
• $3,500 Minimum Daily Balance to avoid $15 Monthly Maintenance Fee
• Tiered Interest Bearing
$0 - $3,499 = 0%
$3,500 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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| Century Preferred Money Market |
Give your money even more earning power. Century Preferred is the money market account that rewards higher balances with higher interest.
• FREE online banking and bill payment
• Reimbursement of up to $10 per month in ATM fees.
• $1,500 Minimum deposit required to open
• $1,000 Minimum Daily Balance to avoid $10 Monthly Maintenance Fee
• Up to 6 withdrawals per statement cycle per Reg D money market restrictions
• $10 fee per excessive withdrawal
• Tiered Interest Bearing
$0 - $999 = Competitive Interest Rates*
$1,000 - $9,999 = Competitive Interest Rates*
$10,000 - $24,999 = Competitive Interest Rates*
$25,000 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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• $100 Minimum daily balance to avoid $12 Quarterly Maintenance Fee.
• 6 free withdrawals per statement cycle. Excessive withdrawal fee of $3.00 for each additional withdrawal. Withdrawals exceeding 6 per statement cycle are a violation of regulatory restrictions and could be subject to account closure.
• Interest compounds quarterly on collected balance, posting on calendar quarter with quarterly statement, unless electronic activity then monthly statements.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current interest rate information.
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A beginner savings account for newborns through 18 years of age.
• $5 Minimum to open
• No Maintenance Fee
• 6 free withdrawals per statement cycle. Excessive withdrawal fee of $3.00 for each additional withdrawal. Withdrawals exceeding 6 per statement cycle are a violation of regulatory restrictions and could be subject to account closure.
Interest compounds quarterly on collected balance, posting on calendar quarter with quarterly statement, unless electronic activity then monthly statements.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current interest rate information.
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| Holiday SPREE Savings Account |
• $25 Minimum to open
• No Monthly Maintenance Fee
• $25 daily collected balance to earn interest.*
• Interest compounds daily on collected balance, posting on calendar quarter
• Account balance plus accrued interest forwarded to owner(s) on November 15th
• $20 per debit fee, if withdrawal made prior to November 15th
• Account closed automatically after full calendar quarter if balance is $0
• Quarterly statement, unless electronic activity then monthly statement
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current interest rate information.
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• Required $500 minimum (minimum to open IRA is $1000)
• Available for the following terms: three (3) months, six (6) months, twelve (12) months, eighteen (18) months, twenty-four (24) months, thirty (30) months, thirty-six (36) months, or sixty (60) months.
• Interest is compounded daily and may be deposited to your FCB Checking Account monthly or capitalized back to the CD.
*Must have a valid tax identification number that will be used to report any interest income earned to the Internal Revenue Service (IRS). Early withdrawal penalties apply.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current interest rate information.
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With a focus on applying the latest technology to make home borrowing an easy and efficient process, CenturyPoint has harnessed innovations that streamline the mortgage process and facilitate communication with borrowers.
Borrowers can search rates and apply for a mortgage online through CenturyPoint's mortgage website at www.CenturyPointMortgage.com. The website contains detailed information about loan products, as well as educational information about mortgages, home buying and consumer credit
Click here for CenturyPoint Mortgage
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• For any home project from a new kitchen to a new swimming pool.
• You take care of the ideas; let us take care of the financing.
• A great way to add value to you home.
Please call 770-397-8060 to speak with a loan representative. First Century Bank is an Equal Housing Lender.
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| Home Equity Line of Credit |
• A great way to use the value that's accrued in your home.
• Establish a line of credit and write yourself a check when you need it.
• Several Terms and Payment Options available.
• Interest may be tax-deductible (Consult your tax-advisor)
Please call 770-297-8060 to speak with a loan representative. First Century Bank is an Equal Housing Lender.
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To reorder checks securely online using your order form, click here. You will be directed to MainStreet Checks.
To reorder checks securely online without your order form, login to online banking and click Check Reorder in the left menu.
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There’s nothing like the convenience of electronic banking. Our customers can check balances, transfer funds and correspond with us safely and securely from virtually anywhere. All for no charge. And you can say good-bye to stamps, envelopes and those trips to the bank and post office with Electronic Bill payment.
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You’ll wonder how you ever managed without it.
• Electronic Bill Payment saves time, money, overhead and other office resources.
• Pay who you want, when you want, in seconds.
• Find out who was paid and when.
• Interact with e-bills give you more control.
• View payment history anytime.
• Benefit from instant record-keeping at tax-time.
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The easy, convenient way to access your money quickly.
• Accepted like a charge card, but works like a check.
• Save time by not writing checks.
• Use it anywhere Mastercard is accepted.
• Get cash when you want it - Just like an ATM card.
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Business Products
Unlawful Internet Gambling Notice. Restricted transactions as
defined in Federal Reserve Regulation GG are prohibited from
being processed through this account or relationship.
Restricted transactions generally include, but are not limited to,
those in which credit, electronic fund transfers, checks, or drafts
are knowingly accepted by gambling businesses in connection with
the participation by others in unlawful Internet gambling.
Whether you write numerous checks or just a few, our Business Choice Checking Account offers efficiency. That’s important. Not just for daily money management, but also to maintain good tax records.
• Unlimited Check Writing
• No Minimum Balance
• No Monthly Maintenance Fee
• Non-interest Bearing
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| First Rate Business Checking |
(Interest Bearing Account for Sole Proprietors and Non-profit Organizations)
More than a checking account, First Rate Business Checking is a money management tool that earns you interest! Simply maintain the monthly minimum balance and you can wave good-bye to all those irritating fees, too!
• Unlimited Check Writing
• $1,000 Minimum to Open
• No Monthly Maintenance Fee of $15 if you maintain $2,500 minimum daily balance
• Earn Interest* regardless of balance
• Simple Interest calculation on daily collected balance credited monthly to your account
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current interest rate information.
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| Century Preferred Business Money Market |
Give your money even more earning power. Century Preferred is the business money market account that rewards higher balances with higher interest.
• $1,000 Minimum to avoid
• $10 Monthly Maintenance Fee
• Up to 6 withdrawals per statement cycle per Reg D money market restrictions
• $10 fee per excessive withdrawal
• Tiered Interest Bearing
$0 - $999 = 0%
$1,000 - $9,999 = Competitive Interest Rates*
$10,000 - $24,999 = Competitive Interest Rates*
$25,000 and up = Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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• Unlimited Check Writing
• $1,000 Minimum to Open
• $15 Monthly Maintenance Fee
• An earning allowance is applied to the daily collected balance less 10% required reserve to offset the monthly maintenance fee. FCB reserves the right to place accounts on analysis with notification to the customer.
• Earnings allowance based on Competitive Interest Rates*
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative or login to online banking for current rate information.
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• Required $500 minimum
• Available for the following terms: three (3) months, six (6) months, twelve (12) months, eighteen (18) months, twenty-four (24) months, thirty (30) months, thirty-six (36) months, or sixty (60) months.
• Interest may be deposited to your FCB Checking Account or capitalized back to the CD.
*Must have a valid tax identification number that will be used to report any interest income earned to the Internal Revenue Service (IRS). Early withdrawal penalties apply.
*Interest Rates are subject to change at any time and determined at bank discretion. Ask a FCB representative for current interest rate information.
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We understand the needs of businesses, so whether you're starting or expanding a business, we can help.
• Expand or modernize facilities.
• Purchase machinery or equipment.
• Provide seasonal lines of credit.
• Construct new commercial buildings.
• Purchase land or buildings.
• Long repayment terms (up to 20 yrs on Real Estate)
Please call 770-297-8060 to speak with a loan representative.
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Your customers prefer paying by credit and debit cards. Accepting these cards reduces your overhead by eliminating the collection and paperwork associated with handling cash and checks. That’s why it’s so important to have the right electronic payment processing partner. With our service, you’ll enjoy:
• Fast, dependable service
• The latest technology to get your funds into your account quickly
• Experienced, on-going support to keep the process running smoothly
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To reorder checks securely online using your order form, click here. You will be directed to MainStreet Checks.
To reorder checks securely online without your order form, login to online banking and click Check Reorder in the left menu.
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There’s nothing like the convenience of electronic banking. Our customers can check balances, transfer funds and correspond with us safely and securely from virtually anywhere. All for no charge. And you can say good-bye to stamps, envelopes and those trips to the bank and post office with Electronic Bill payment.
Back to Top
You’ll wonder how you ever managed without it.
• Electronic Bill Payment saves time, money, overhead and other office resources
• Pay who you want, when you want, in seconds.
• Find out who was paid and when
• Interact with e-bills give you more control
• View payment history anytime
• Benefit from instant record-keeping at tax-time
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• ACH Origination
• SEPs/Retirement Services
• Courier Service
• Direct Deposit Payroll
• Wire Transfers
• Night Deposit
• Remote Deposit Capture (Coming Soon!)
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The easy, convenient way to access your money quickly.
• Accepted like a charge card, but works like a check.
• Save time by not writing checks.
• Use it anywhere Mastercard is accepted.
• Get cash when you want it - Just like an ATM card.
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