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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 and its headquarters are located in Collinsville, Illinois. It manages assets of $1 billion as well as $1 billion in deposits, classifying it as a medium-size bank. FCB Banks lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. SmartAsset has rated FCB Banks 4.4 out of 5 stars, suggesting it is a great choice and should warrant serious consideration. FCB Banks has a full suite of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. FCB Banks has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, FCB Banks's ordinary checking account does not have a monthly fee. Finding an institution with no-fee checking as well as a high savings APY is the best option for returning the most income from your deposits while having easy access to your funds.

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 compared to the average U.S. bank. Its one-year CD has a rate of 1.70% and the five-year CD earns at a rate of 2.45%, while its highest-yielding money market account has an APY of 0.95%. Given FCB Banks's below average savings rate, you should consider looking elsewhere 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 its customers extremely low fees compared to the average U.S. bank. Its checking account has no monthly fee, rating it excellent for anyone looking for a hassle-free account. For those who will need cash in a pinch, FCB Banks is ideal because it has no out-of-network ATM fees. FCB Banks unfortunately doesn't reimburse out-of-network ATM charges, meaning you'll need to locate a FCB Banks ATM or eat the fee.

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 branches in Illinois and Missouri. It also offers access to mobile and web apps for straightforward access and banking on the go. It does not offer all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Saturday and 8:00 a.m. to 8:00 p.m. CT. FCB Banks's online and mobile banking platforms get poor scores from customers. Out of 80 ratings on iOS and Android platforms, the FCB Banks mobile app is scored at 3.4 out of 5 (compared to the national average of 3.8). FCB Banks's mobile app lets you manage your accounts by monitoring current statements, transferring money as well as accessing support representatives. FCB Banks gets a superb consumer satisfaction score due to relatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

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 a medium-size bank with assets totaling $1 billion as well as deposits totaling $1 billion. FCB Banks's Texas Ratio is 9.77%, suggesting a tiny likelihood of 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: 1.70% APY
  • 24 Month: 1.95% APY
  • 36 Month: 2.20% APY
  • 48 Month: 2.20% APY
  • 60 Month: 2.45% APY
$1000 for all terms
Money Market Account 0.85% APY $5000

FCB Banks offers 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 taking a look 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 the national average.

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Find a FCB Banks Near Me

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

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