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Certificates of Deposit
- Fixed CD rate and a predictable return without a long-term commitment
- 2.45% annual percentage yield (APY) on all balances
- 13-month term
- $2,500 minimum opening balance
- A low minimum deposit and the flexibility to save on your terms
- 1.90% - 3.00% annual percentage yield (APY) depending on term and balance
- 13-month to 37-month terms available
- $2,500 minimum opening balance
Money Market Accounts
- Two money market options are available to best fit your savings goals
- 2.25% annual percentage yield (APY)
- $15,000 minimum deposit
- Requires an FBFC checking account
- Tiered interest rate
- 0.05% - 0.30% APY depending on balance
- $2,500 minimum deposit to open
$160 Checking Reward
Open any qualifying checking account at one of our convenient branch locations and you could receive a $160 reward!
Free Services Come With Every Checking Account
We want your banking experience to be easy and full of value, so every account comes with many free services. No matter which account you choose, you can add any of the convenient services below to your account for maximum convenience.
- Online banking with bill pay
- Mobile banking with mobile deposit
- Mobile wallet
- FBFC Mastercard® EMV debit card
- Over 700 free ATMs
*Certificate of Deposits (CDs) and Individual Retirement Accounts (IRAs) must be opened with new money, not currently on deposit at FBFC. Offer applicable to consumers only. Business and Municipal money is not accepted. An open and active FBFC consumer checking account is required to receive stated Annual Percentage Yields (APYs) for special relationship pricing. An open and active consumer checking account is defined as an account which has activity consisting of either a recurring, month direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. Stated APYs effective as of 4/18/19. APY is 2.45%. $2,500 minimum to open CDs/IRAs to receive stated APYs. Maximum new money deposit of $250,000. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. At maturity, 13-month CD/IRA renews into a standard 24-month term. IRA Disclosure: You may make one (1) deposit per calendar year to this IRA account, up to $10,000 maximum. Withdrawals from IRA products before age 59 1/2 may be subject to additional taxes and penalties; consult your tax advisor regarding the tax implications. Certain retirement accounts are insured by the FDIC separately from non-retirement funds you may have on deposit with FBFC. **An open and active consumer checking account is required to maintain a Relationship Money Market account. An active checking account is defined as an account which has activity consisting of either a recurring monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. If the requirements of the active checking account are not met, we reserve the right to terminate the introductory rate prior to the 365th calendar day and rates will revert to the standard rates. Each Relationship Money Market account and consumer checking account can have not more than one (1) linked relationship. One Relationship Money Market account per household (physical, residential address). You cannot open a Relationship Money Market account if any owner or signer has previously been an owner or signer on a different First Bank Financial Centre (FBFC) Relationship Money Market account, Elite Money Market or prior Money Market Special within the past three (3) years. In addition, cannot be opened with money currently on deposit at FBFC. Maximum new money deposit of $250,000. This is a variable-rate account. The following Annual Percentage Yields (APYs) are accurate as of 4/18/19; $.01-$14,999.99, APY is 0.10%, $15,000 and above, APY is 2.25%. If requirements are met, these rates are guaranteed for 365 calendar days after account opening. On the first business day following the 365th calendar day after account opening, rates will revert to standard rates. Requires a $15,000 minimum balance to open the account, and a minimum daily balance of $2,500 to avoid maintenance fees. Interest is calculated on the entire balance each day at the rate in effect for that balance tier. Applicable to Wisconsin residents and consumer accounts only. Fees could reduce earnings on the account. ***Qualifying Activity: Within 120 days of account opening, two (2) out of the following three (3) options must be met and posted to the account: 1) Three (3) of the following deposit types to post in at least three (3) consecutive months; payroll, government or pension benefits (in a single amount not less than $250 each) using either direct deposit, mobile deposit or in-branch deposit. Online transfers (for example ACH transfers or PayPal transactions) and cash transactions are excluded. 2) Twenty-five (25) signature based; not pin based or pin-less debit, debit card transactions ($5 minimum purchase each). 3) Six (6) FBFC online bill pay transactions (excluding personal payments, minimum $25 each). If any owner or signer on the account has previously been an owner or signer on a different First Bank Financial Centre (FBFC) consumer checking account within the past three (3) years, FBFC reserves the right to deny this incentive. Accounts with an FBFC employee as primary owner and Student Checking accounts are not eligible. This offer cannot be combined with any other offer. If the new account becomes overdrawn within the first 135 days, FBFC reserves the right to deny this incentive. If the checking account is closed by the customer or FBFC within 12 months after account opening, FBFC reserves the right to deny the incentive or deduct the cash reward for that account at closing. Offer must be presented at account opening, or online promo code entered during online account opening to receive this reward. The $160 cash reward will be deposited into the checking account within 135 days of account opening. This offer applies to new checking accounts that must be opened with new money not currently on deposit with FBFC. Not all customers will qualify for the products and services offered. FBFC will honor one (1) offer per household (physical, residential address). Applicable to consumer accounts and Wisconsin residents only. The value of this offer may be reported to recipient as income. FBFC reserves the right to change or discontinue the offer at any time.