Deposit Products
Premium Privileges
Online Loan Center
Electronic Services
Wire Transfers
Reorder Checks
Interest Rates
Calculators
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Deposit Products
Our personal deposit products offer you the perfect combination of security, convenience and financial control. Select the account that best suits your needs.
PINNACLE CHECKING  
Managing your money with confidence calls for a checking account that offers both easy access and financial reward. Pinnacle Checking combines the features of a checking account with the earnings of a money market account. Enjoy a variety of benefits, including:
- Premium Privileges points awarded at new account opening. Additional points can be earned by adding direct deposit to your account and/or opening a new home equity line of credit or mortgage.
- Earns interest
- Free checks for the life of the account
- No per check charges
- Unlimited check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee Visa® Check (Debit) Card with a higher authorization limit for purchases (open to buy limit)1
- Free ATM transactions when you use any Fairfield County Bank ATM.8
- All ATM surcharges are waived.2
- REAL TIME Visa® Check Card and ATM Card monitoring service for potentially fraud activity.
- 1/4% interest rate bonus on CDs
- 1/4% interest rate discount on Consumer Loans
- Fee-free wire transfers3
- Fee-free traveler's cheques
- Discount on safe deposit box rental fees when fees are automatically debited from your account5
- A complimentary insurance review performed by an insurance professional at Fairfield County Bank Insurance Services, LLC5**
- A complimentary investment plan review performed by a Financial Advisor at Fairfield County Financial Services6**
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CHARTER CHECKING
Get the most out of your checking account. Charter Checking pays interest on a tiered interest rate basis which means the larger your balance, the higher your rate of interest. A low minimum balance is required to open the account. Certain minimums are required to waive monthly service charges.
- Premium Privileges points awarded at new account opening. Additional points can be earned by adding direct deposit to your account and/or opening a new home equity line of credit or mortgage.
- Earns interest
- No per check charges
- Unlimited check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee Visa® Check (Debit) Card1
- Free ATM transactions when you use any Fairfield County Bank ATM.8
- 8 ATM surcharge waivers per statement cycle2
- REAL TIME Visa® Check Card and ATM Card monitoring service for potentially fraud activity.
- Discount on safe deposit box rental fees when fees are automatically debited from your account5
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CHOICE CHECKING
Get free checking with direct deposit7 plus a whole lot more! This non-interest bearing checking account entitles you to great benefits that can save you money and time:
- Premium Privileges points awarded at new account opening. Additional points can be earned by adding direct deposit to your account and/or opening a new home equity line of credit or mortgage.
- Free with direct deposit7
- No per check charges
- Unlimited check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee Visa® Check (Debit) Card1
- Free ATM transactions when you use any Fairfield County Bank ATM.8
- REAL TIME Visa® Check Card and ATM Card monitoring service for potentially fraud activity.
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50+ FREE SPIRIT CHECKING
If you’re age 50 or older, you’ll enjoy checking with interest and no per check fees. Low minimum balances are required to open the account and earn interest.
- Premium Privileges points awarded at new account opening. Additional points can be earned by adding direct deposit to your account and/or opening a new home equity line of credit or mortgage.
- Earns interest
- Low minimum balances required to open the account and earn interest
- No monthly service charges with direct deposit7
- No per check charges
- Unlimited check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee Visa® Check (Debit) Card1
- Free ATM transactions when you use any Fairfield County Bank ATM.8
- REAL TIME Visa® Check Card and ATM Card monitoring service for potentially fraud activity.
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MONEY MARKET CHECKING
- Adding limited check writing privileges to your tiered interest rate Money Market account provides flexible access while you maximize earnings. As you account balance increases, so does your reward in a higher interest rate.
- Enjoy convenient 24-hour access to your account with ATMs, free online banking and free telephone banking.
- Premium Privileges points awarded at new account opening
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REGULAR SAVINGS
- For you, your child or a grandchild, a Statement Savings account is an easy and convenient way to accumulate funds while maintaining liquidity.
- A low minimum balance is required to open the account and earn interest.
- Enjoy convenient 24-hour account access to ATMs, free Online Banking, and free Telephone Banking. Inquires only for passbook accounts.
- Premium Privileges points awarded at new account opening.
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CERTIFICATES OF DEPOSIT (CD)
- A Certificate of Deposit can be a secure investment vehicle with a guaranteed rate of return.
- CDs are available with a variety of terms to fit your short or long-term savings needs.
- You can earn a higher rate of interest than a regular savings or money market account depending on the term selected.
- Enjoy convenient 24-hour access to your account with free Online Banking and free Telephone Banking. You can find out balance and interest earned information.
- Premium Privileges points awarded at new account opening.
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1 You may be assessed a fee at ATMs other than those owned and operated by Fairfield County Bank for a transaction or balance inquiry even if you don't complete a fund transfer. Open to buy limits are the amount of signature-based transactions which may be processed against your Visa® Check Card in a single day.
2 An ATM surcharge waiver eliminates your payment of a surcharge imposed by ATM owners and operators other than Fairfield County Bank. Surcharge fees are as incurred.
3 We will provide wire transfer services for both domestic and international wires without charging a fee. In the case of international wires, a fee may be charged by a third party provider. This fee will be deducted from your account during settlement.
4 Subject to availability. A discount of the annual cost will be applied when the annual rental cost is scheduled for an automatic deduction from a Fairfield County Bank checking account at the time of lease.
5 Fairfield County Bank Insurance Services, LLC. is a wholly owned subsidiary of Fairfield County Bank.
6 Securities offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and the Bank are not affiliated.
7 Available to new accounts that include Direct Deposit. Direct Deposit is the automatic recurring credit of your payroll, social security, pension or other other similar recurring payment. A minimum of one payment per statement cycle must be received in order to waive the Monthly Service Charge.
8 When you use an ATM not owned by us, you may be charged a fee by the ATM operator and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
**Insurance and Investment Products:
- Not insured by the FDIC
- Not a deposit or other form of obligation of the Bank
- Not insured by any federal government agency
- Not guaranteed by the Bank
- Subject to investment risk; may go down in value
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