Advantage Club Checking

Advantage Club Checking

Enjoy the flexibility and freedom of a checking account with the earnings power of a savings.  And we make it even better by giving you ways to decrease your monthly service charge.


Minimum to Open: $5,000

Monthly Service Charge: $15


Account Features



Monthly Service Charge will be reduced by the following discounts:

  • $0.60 for each posted POS purchase using your FGB Debit MasterCard per statement cycle;
  • $7.50 for each statement cycle where no paper statements are delivered and the monthly statement is delivered electronically via e-statements;
  • $7.50 for a single posted electronic direct deposit.

    The discounts can reduce or eliminate your monthly Service Charge. The calculation of fees and discounts is performed during each monthly statement cycle based on based on balances and activity posted during that cycle. If the discounts exceed the fees for any period, you will be assessed no fee, but you will not be paid, carry forward or otherwise receive credit for any excess discounts.


    Club Benefits




    Identity Theft Monitoring and Resolution Service


    Help better protect yourself and your joint account owners with our identity theft monitoring and resolution service1 that includes credit file monitoring2, credit report and score3, monitoring of over 1,000 public databases, identity theft expense reimbursement4, fully managed resolution services, and more.

    (Some benefits may require registration/activation.)




    Cell Phone Protection4

    Receive up to $400 of replacement or repair costs if your eligible cell phones are stolen or damaged.

    (Cell phone bill must be paid using eligible account.)




    VIP travel

    VIP Concierge Service

    Get help with the personal service you deserve. Receive personal assistance with travel emergency assistance service, last-minute or emergency travel and flight changes, lost luggage/passport/travel documents, restaurant/ theatre/sporting event reservations and even pre-trip travel advice, plus a multitude of other concierge and emergency travel assistance services.



    For more information and questions, call 866-210-0361



    Access Your Club Benefits   


    *Check our rates page at for current rates.

    **Data and text rates may apply

    1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members,
    or schools and their employees/students.

    2 Credit file monitoring may take several days to begin following activation.

    Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness

    Special Program Notes: The descriptions herein are summaries only and do not
    include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.


    Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank Affiliate.



    Links from the First Guaranty Bank web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the First Guaranty Bank web site.

    The First Guaranty Bank does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

    If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.