Banking Solutions

Discover the perfect account for your lifestyle. From everyday checking to high-yield savings, we've got you covered.

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Business Banking That Works For You

From startups to established enterprises, we provide the tools and expertise to help your business thrive.

  • Business checking with 0.5% cash back
  • Merchant services & payment processing
  • Payroll management solutions
  • Lines of credit up to $500,000
  • Dedicated relationship manager
25K+
Business Clients
$5B+
Business Deposits
98%
Client Retention
24/7
Dedicated Support

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Features Essential Checking Premium Checking High-Yield Savings
Monthly Fee $0 $15 (waived with $5k+) $0
Minimum Balance $0 $1,500 $0
APY 0.01% 2.50% 4.25%
ATM Access 55,+ fee-free Unlimited rebates 55,000+
Mobile Check Deposit
Overdraft Protection
Credit Card Rewards 1% cash back 2.5% cash back N/A

Digital Banking Experience

Mobile Banking App

Manage accounts, deposit checks, and transfer money on the go with our highly-rated app.

Biometric Security

Face ID and fingerprint login keep your accounts secure and accessible only to you.

Real-Time Alerts

Get instant notifications for transactions, low balances, and suspicious activity.

Spending Insights

AI-powered analytics help you understand and optimize your spending habits.

Frequently Asked Questions

How do I open an account?
You can open an account online in just 5 minutes. Simply click "Open Account" on any account card, fill in your information, and fund your account with as little as $25. You'll need your ID and Social Security number handy.
Are my deposits insured?
Yes, all deposits are FDIC insured up to $250,000 per depositor, per account ownership category. Fcredint is a member of the FDIC.
What ATMs can I use?
You have access to over 55,000 fee-free ATMs through our network. Premium Checking customers get unlimited ATM fee rebates worldwide. Use our mobile app to find the nearest ATM.
How do I switch from another bank?
Our Switch Kit makes it easy. We'll help you transfer automatic payments, direct deposits, and balances from your old accounts. Plus, we offer a $200 bonus when you switch to Premium Checking.
What are the overdraft fees?
Essential Checking has a $35 overdraft fee per item. Premium Checking offers one free overdraft forgiveness per year. You can also link a savings account for free automatic transfers to cover overdrafts.
Can I have joint accounts?
Yes, all our personal accounts can be opened as individual or joint accounts. Both owners get full access to online banking, debit cards, and account management features.