Welcome to First Intercontinental Bank

Korean | Chinese

FREE CHECKING ACCOUNT

Minimum amount to open the account $100
Monthly account maintenance fee $0.00 (none)
Minimum balance $0.00 (none)
Number of checks written per month- Unlimited
When you have direct deposit on regular payroll check, receive a free one time order of checks
Checks are not included with the monthly statement
Account closing fee $25, if closed within 181 days of opening
Interest paid- none

REGULAR CHECKING ACCOUNT

Minimum amount to open the account $100
Monthly account maintenance fee $9 (To avoid monthly maintenance fee, maintain a minimum balance of $500.00 or a minimum average monthly balance of $1,000)
Number of checks written per month –Unlimited
Account closing fee $25, if closed within 181 days of opening
Interest paid-none

ECONOMY CHECKING ACCOUNT

Minimum amount to open the account $100
Monthly account maintenance fee $4
Up to 15 checks or withdrawals per statement cycle free, and $0.45 for each additional check or withdrawal
Account closing fee $25, if closed within 181 days of opening
Interest paid- none

STUDENT CHECKING ACCOUNT

(Must be full time student)

Minimum amount to open the account $100
Monthly account maintenance fee $4
Minimum balance $0.00 (none)
Number of checks written per month- Unlimited
First Intercontinental Bank ATM usage-Free
Account closing fee $25, if closed within 181 days of opening
Interest paid- none

MAX CHECKING ACCOUNT

Minimum amount to open the account $1,000.00
Monthly account maintenance fee $9.00 (To avoid monthly maintenance fee, maintain a minimum balance of $1,000)
Number of checks written per month- Unlimited
Interest paid-Yes
Rate Information: Your interest rate and annual percentage yield may change
Frequency or rate changes: We may change the interest rate on your account at any time
Determination of rate- At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest begins to accrue on business day you deposit non- cash items (for example, checks)
If you close your account before interest is credited, you will not receive the accrued interest.
Account closing fee $25.00, if closed within 181 days of opening

SENIORS CLUB ACCOUNT

(55 or Older)

Minimum amount to open the account $100
Monthly account maintenance fee $4 (To avoid monthly maintenance fee, maintain a minimum balance of $250)
Number of checks written per month- Unlimited
Interest paid-Yes
Rate Information: Your interest rate and annual percentage yield may change
Frequency of rate changes: we may change the interest rate on your account at anytime
Determination of rate: At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: interest will be compounded daily. Interest will be credited to your account every month
Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
If you close your account before interest is credited, you will not receive the accrued interest.
Account closing fee $25, if closed within 181 days of opening
Interest Rate: Please contact Customer Service for current rates.

INTEREST CHECKING ACCOUNT

Minimum amount to open the account $100
Monthly account maintenance fee $9 (To avoid monthly maintenance fee, maintain a minimum balance of $1,000.)
Number of checks written per month- Unlimited
Interest Paid- Yes
Rate Information: Your interest rate and annual percentage yield may change
Frequency of rate changes: We may change the interest rate on your account at anytime
Determination of rate: At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
If you close your account before interest is credited, you will not receive the accrued interest
Account closing fee $25, if closed within 181 days of opening
Interest Rate: Please contact Customer Service for current rates.

DELUXE CHECKING ACCOUNT

Minimum amount to open the account $100 (You must have $ 10,000 combined daily balances in a checking account or a Regular Statement Savings account or $10,000 in a Money Market Account or CD’s or IRA’s or have a $15,000 outstanding balance on a loan or line of credit to open this account).
Monthly account maintenance fee $15. In the event the combined daily balance in the account falls below $10,000 in a checking account or a Regular Statement Savings account or $10,000 in a Money Market Account or CD’s or IRA’s or have a $15,000 outstanding balance on a loan or line of credit)
Number of checks written per month- Unlimited
Interest Paid-Yes
Rate Information: Your interest rate and annual percentage yield may change
Frequency of rate changes: We may change the interest rate on your account at anytime
Determination of rate: At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
If you close your account before interest is credited, you will not receive the accrued interest
Account closing fee $25, if closed within 181 days of opening
Interest Rate: Please contact Customer Service for current rates.