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FCB Banks Review

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FCB Banks Savings
0.40% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


FCB Banks started in 1990 with its headquarters in Collinsville, Illinois. FCB Banks manages $1 billion in assets as well as deposits totaling $1 billion, ranking it as a medium-size bank. FCB Banks lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. We ranked FCB Banks at a 4.4 out of 5 stars, suggesting it is a great choice and should warrant serious consideration. FCB Banks offers a complete suite of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, the bank's standard checking does not have a monthly fee. Finding a bank with free checking and a high savings APY is the best bet for returning the most income from your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.40%, FCB Banks ranks poorly in comparison to other U.S. banks. Its one-year CD has a rate of 1.35% and the five-year CD has a rate of 1.85%, while its highest-yielding money market account earns at an APY of 0.85%. Given FCB Banks's noncompetitive savings rate, you should consider looking at the competition to open savings accounts.

How FCB Banks's Savings Rates Compare

FCB Banks Savings 0.40 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

FCB Banks charges customers extremely low fees compared to other U.S. banks. FCB Banks's checking account has no monthly fee, rating it excellent for anyone looking for a hassle-free account. For those who often visit the ATM, it is perfect because it charges no out-of-network ATM fees. FCB Banks does not reimburse out-of-network ATM fees, which means you'll have to find a FCB Banks ATM or pay the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

FCB Banks is a brick-and-mortar bank, with 18 total bank locations in Illinois and Missouri. It also offers access to mobile and web apps for a simple mobile-banking experience. It does not provide access to all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Saturday and 8:00 a.m. to 8:00 p.m. CT. FCB Banks receives unsatisfactory feedback from customers for its mobile app. Out of 80 ratings across Apple and Android platforms, the FCB Banks mobile app has an overall rating of 3.4 out of 5 (compared to the national average of 3.8). You can use FCB Banks's mobile app to control your finances by monitoring account balances, transferring money and accessing support representatives. FCB Banks gets a superb consumer satisfaction rating based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

FCB Banks is currently a medium-size bank with $1 billion in assets as well as $1 billion in deposits. It has a strong Texas Ratio of 9.77%, signifying that FCB Banks is in fine financial well-being and far from failure. Additionally, FCB Banks is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare FCB Banks to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.4% APY $500
Checking Account 0.3% APY $1000
Certificates of Deposit
  • 12 Month: 1.35% APY
  • 24 Month: 1.50% APY
  • 36 Month: 1.70% APY
  • 48 Month: 1.70% APY
  • 60 Month: 1.85% APY
$1000 for all terms
Money Market Account 0.75% APY $5000

FCB Banks has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. FCB Banks does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. FCB Banks's CD rates are fair in comparison to other U.S. banks.

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Find a FCB Banks Near Me

FCB Banks has 18 physical branches across the U.S.

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