Consumer Checking
These accounts get free money orders and cashier's checks.
What are Premier and Prestige accounts?
(Employee, Quest, and Bank at Work are also free)
This account has no minimum balance or monthly fee and is primarily used for businesses with a low operating account balance.
This card provides unlimited 1.5% cash back on all purchases.
What is the Cash Rewards Credit Card?
True or False:
All employees being issued a business credit card must have their credit pulled and provide their SSN.
What is False?
To add an authorized user/issue a credit card to an employee of a business, we only need their first and last name as well as the desired limit for their card and no credit is pulled per authorized user.
This product is useful for business customers who need extended hours to make check deposits outside of the bank's 9-5.
What is Remote Deposit Capture (RDC)?
Customers have this many days to enroll in e-statements online before their checking account reverts to a Select Checking.
What is 60 days?
This account's $75 fee can be waived by having merchant services, or keeping an average balance of $75,000 and having e-statements.
What is Business Banking III?
This card gives customers their rewards on a point based system and is capped at 10,000 points on a monthly basis.
What is the Rewards Credit Card?
New business credit cards have this long of 0% APR on purchases and balances transfers.
What is 9 months?
We would offer this solution to a business customer if they are unhappy with being responsible for card processing fees.
What is our Clover system through the merchant team?
This account's $18 maintenance fee can be waived by keeping a $5,000 relationship balance, receiving direct deposit totaling at least $4,000 per month, have an FCB consumer loan of at least $10,000 or an equity line of at least $25,000.
What is a Premier Checking account?
This account is only used for small charitable and religious organizations, as well as estates.
This credit card gives customers the first year free of an annual fee and then charges $95 after that but has no cap or expiration of rewards.
What is the Travel Rewards Credit Card?
This card provides rewards to our business customers with an unlimited monthly earning and earns 5% on utilities and wireless for the first year, then 3% after that.
What is the Cash Rewards Business Credit Card?
This product is an added fraud protection system that the customer must go in daily and either approve or deny checks trying to clear their account before 3:30 pm EST.
What is Check Reverse Positive Pay?
This account tier looks at the average balance in the account rather than the relationship balance to waive the $12 maintenance fee.
This business banking tier gets two treasury products discounted and is allowed 500 free transaction items per month.
What is Business Banking II?
What is the Smart Option credit card?
This card has an earning cap of 10,000 points per month which is accumulated by earning 3 points on gas, 2 points on restaurants and travel, and 1 point on all other purchases.
What is the Rewards Business Credit Card?
With a BBI, II, or III account, select treasury products such as check positive and reverse positive pay, remote deposit capture, and ACH positive pay come at a discounted rate of this amount per product.
What is $20.00 per month?
This account's $25 maintenance fee can be waived by keeping a $25,000 relationship balance, receiving direct deposit totaling at least $6,500 per month, have an FCB consumer loan of at least $25,000 or an equity line of at least $100,000.
What is a Prestige Checking account?
This account has a monthly fee of $25 and is one of the two that can have the fee waived by having an FCB business credit card that is open and in good standing.
What is a Business Banking I account?
This credit card has an annual fee of $29 and is the only consumer credit card that does not currently have an introductory offer.
What is the Secured Cash Back Rewards credit card?
This card gives our business customers 3 points on restaurants, advertising, and travel, and 1 point on everything else but does NOT have the introductory 0% APR offer.
What is the Premium Rewards Business Credit Card?
This product is offered to our business customers to pay their employees via direct deposit or to pay vendors, avoiding the need to write and mail checks.
What is ACH Origination/ACH Batch?