F

FCB Banks

Best ForEveryday Medical Spending
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

FCB Banks provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

FCB Banks has been family owned and managed for more than three generations. Our original banks opened in New Baden and Albers in 1901 and customers quickly associated FCB with quality service, competitive rates, and personal customer care. These qualities became the pillars of our business when First Collinsville Bank opened in 1990 and we began expanding throughout the area. We streamlined and simplified banking operations and officially changed our name to FCB Banks in 2017. Today we have seventeen locations in sixteen wonderful towns serving customers in Illinois and Missouri.

Key Features

Banking & Access

Includes debit card and online banking.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

Requires $25 minimum balance. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

FCB Banks currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Standard Rates

Balance RangeAPY
$0+0.40%

Last updated: 01-13-2026

Contact Information

Address

Attn: Customer Service 2610 N Illinois St Swansea, IL 62226

Customer Service

866-323-4322

Attn: Customer Service 2610 N Illinois St Swansea, IL 62226

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)~0.40%
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available

User Sentiment

Based on community feedback

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NegativeNeutralPositive

Sentiment data coming soon

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