Checking Accounts

Choose the checking option that works best for you!

	Free Checking	Select Checking	Check Start Checking****	Royal "Money  Market" Checking
Monthly Cycle Service Charge	No monthly cycle charges to maintain this account	$6.00 monthly cycle fee if balance falls below $1,500	No monthly cycle charges to maintain this account	$7.50 monthly cycle fee if balance falls below $7,500
Interest Bearing	No	Yes	No	Yes
Free Debit Card	Yes	Yes	Yes	Yes
Free ATM's*	4 Free W/D's per month	4 Free W/D's per month	Free unlimited WD's**	Free unlimited WD's**
Minimum Opening Balance	None	$50.00	None	$50.00
Unlimited Check Writing	Yes	Yes	Yes	Yes
Free On-Line Banking	Yes	Yes	Yes	Yes
Free E-Statements	Yes	Yes	Yes	Yes
Free Check Imaging	Yes	Yes	Yes	Yes
Purchase of Checks Required	First 50 checks free	First 50 checks free	First 50 checks free	First box of checks free
Overdraft Protection	Yes  $5.00 per transfer	Yes  $5.00 per transfer	Yes  $5.00 per transfer	Yes Free
Other Benefits				-Free Leather Checkbook Cover -Free Traveler's Checks

*Capital One ABBY*** Access FREE of Capital One Charges at all times. FCFCU ATM fees apply only after your 4th withdrawal per calendar month. **Free unlimited ATM withdrawals apply to waiver of FCFCU fees, as well as Capital One fees on selected ABBY ATM's.

***Certain Capital One"Jazzcash" & Capital One owned and operated ATM's located in gaming establishments may be excluded.

****Must be between the ages of 17 and 24 to open and maintain this account.