Personal Banking

When and how you bank is as individual as you are. Which is why First National Bank of Southern California offers a wide range of products and services to meet your personal financial needs. So, whether you're looking for a basic checking or savings account or the very best options in personal or home equity loans, we can help you find solutions for all the important moments in your life.

Checking Accounts

At First National Bank of Southern California, we want to make banking work for you in ways it never has before. By offering convenient products and services we give you the freedom to bank in ways that fit your lifestyle and meet your needs.

 Personal CheckingFirst Club Personal CheckingSenior Advantage CheckingStudent Checking - Coming soonRoyal Club CheckingPersonal Money Market
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00 $100.00 $1,000.00
Monthly Maintenance Fee $8.00 $10.00 N/A N/A N/A $10.00
Requirement to Waive Monthly Maintenance Fee minimum daily balance of $1,500.00 minimum daily balance of $100.00 N/A N/A customer must be employed with a FNBSC business customer account requires a $5,000 minimum daily balance to avoid a monthly service charge
Interest N/A Yes1 N/A N/A N/A Yes1
Transaction Limitations None None None None None Six transactions per statement period
Overdraft Protection Yes2 Yes2 Yes2 Yes2 Yes2 Yes2
Check Imaging Free Free Free Free Free Free
ATM/POS Transactions First five(5) free First five(5) free First five(5) free First five(5) free First five(5) free First five(5) free
Check Order Discount None None Free Regular Checks3 None First Order Free 25% off all others3 None
e-Statements Free Free Free Free Free Free
Online Banking Free Free Free Free Free Free
Bill Pay Free Free Free Free Free Free
Mobile Banking Free Free Free Free Free Free
POPMONEY Free Free Free Free Free Free
Debit ATM Card Free Free Free Free Free Free

1. Refer to the First National Bank of Southern California deposit rate sheet for current rates, compounding and crediting, and other balance information.
2. Subject to Qualifications
3. Check orders must be placed with First National Bank of Southern California to receive a discount. 

Personal Checking

Product Description

This checking account requires a $100 opening deposit.  The monthly service charge is $8.00.  Waiver conditions include maintaining a minimum daily balance of $1,500.00.

Features

  • Check writing privileges
  • Monthly Statements
  • Debit Card and ATM access
  • Overdraft Protection
  • Free Online Banking and access to Bill Pay

First Club Personal Checking

Product Description

This account requires an opening deposit of $100.  The monthly service charge is $10.00.  To waive the monthly service charge a minimum daily balance of $100.00 must be met.

Features

  • Free Online Banking and access to Bill Pay
  • Unlimited check writing privileges
  • Interest earned on balances
  • Monthly Statements
  • Overdraft Protection
  • Debit Card and ATM access

Senior Advantage Checking

Product Description

This product is available for individuals age 55 or older.  This account has a required opening deposit of $100 and does not charge a monthly service charge.  This account also offers free regular checks.

Features

  • No minimum balance
  • Free standard FNBSC checks
  • Unlimited check writing privileges
  • Free Online Banking and access to Bill Pay
  • Monthly Statements
  • Overdraft Protection
  • Debit Card and ATM access

STUDENT CHECKING - Coming Soon!

Product Description

This product is available for individuals age 16 or older with a $100 minimum opening deposit required.  The customer may be enrolled in the Student Checking account for five years.  Minor Students must have an adult signer on the account.  There is no monthly service charge for this account. 

Features

  • No minimum balance
  • Free Online Banking and access to Bill Pay
  • Unlimited check writing privileges
  • Monthly Statements
  • Overdraft Protection
  • Debit Card and ATM access

Royal Club Checking

Product Description

The Royal Club account is designed especially for employees of our business customers.  The minimum opening deposit is $100.  This account is service charge free and requires no minimum balance as long as the customer is employed with a FNBSC business customer.  The first order of checks is free with a 25% discount on all future check orders.  The unique thing about this account is the fact that an officer of the bank will hold a meeting at the customer’s business and take signature cards in order to sign up employees. 

Features

  • No minimum balance
  • Free to discounted checks
  • Free Online Banking and access to Bill Pay
  • Unlimited check writing privileges
  • Monthly Statements
  • Overdraft Protection
  • Debit Card and ATM access

Personal Money Market

Product Description

Minimum opening deposit on the Personal Money Market is $1,000.  This account requires a $5,000 minimum daily balance to avoid a monthly service charge; otherwise a monthly service charge of $10 would apply. This account is restricted to a total of six transactions per statement period. 

Features

  • Monthly Statements
  • Free Online Banking and access to Bill Pay
  • Tiered interest
  • Six transactions per statement period

Other Services:

FIRST NATIONAL BANK OF SOUTHERN CALIFORNIA has one ATM, located at the Vista Office at:

302 E. Broadway
Vista, CA  92084