Personal Products
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 over 50, 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.
• $1000 Minimum Balance to avoid
• $12.00 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 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.
• $3500 Minimum Balance to avoid
• $15.00 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.
• $1,000 Minimum to avoid
• $10.00 Monthly Maintenance Fee
• Up to 6 withdrawals per statement cycle, only 3 by check per Reg D money market restrictions
• $10 fee per excessive check withdrawal
• Tiered Interest Bearing
$0 - $999 = 0%Competitive Interest Rates*
$1,000 - $9,999 = Competitive Interest Rates*
$10,000 - $24,999 = Competitive Interest Rates*
$25,000 and up = Currently 55% of Prime Rate as published in the Wall Street Journal*
SPECIAL – Special interest rate* for the first three (3) months if deposit is $25,000 or more is maintained! Call for details!
*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 to avoid
• $12.00 Quarterly Fee
• 6 free withdrawals per statement cycle. Excessive withdrawal fee of $3.00 for each additional withdrawal.
• $100 minimum daily collected balance required to earn interest.
• Interest compounds daily 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.
Interest compounds daily 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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• 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 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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• Option to "step-up" or lock in a higher offered interest rate* one time during the 9 month term.
• Required $5,000 minimum for a term of nine (9) months.
• Required maintenance of a FCB interest bearing checking account.
• Interest from certificate compounds daily and 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 penalty applies.
*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.
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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-deductable (Consult your tax-advisor)
Please call 770-297-8060 to speak with a loan representative.
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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
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
• $10.00 Monthly Maintenance Fee
• Up to 6 withdrawals per statement cycle, only 3 by check per Reg D money market restrictions
• $10 fee per excessive check withdrawal
• Tiered Interest Bearing
$0 - $999 = 0%Competitive Interest Rates*
$1,000 - $9,999 = Competitive Interest Rates*
$10,000 - $24,999 = Competitive Interest Rates*
$25,000 and up = Currently 55% of Prime Rate as published in the Wall Street Journal*
SPECIAL – Special interest rate* for the first three (3) months if deposit is $25,000 or more is maintained! Call for details!
*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 $1,000 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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• Option to "step-up" or lock in a higher offered interest rate* one time during the 9 month term.
• Required $5,000 minimum for a term of nine (9) months.
• Required maintenance of a FCB interest bearing checking account.
• Interest from certificate compounds daily and 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 penalty applies.
*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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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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• 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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