Intro – Top Rated Florida Bank


AdvisoryHQ recently reviewed the top banks in Florida. Each bank was individually researched based on general concepts of quality and value.

Various criteria were considered during the research process, some of which include fees, convenience, branches, online banking, education materials, and the selection of available services.

Below we have highlighted some of the many reasons Florida Community Bank (FCB) was selected as one of the best banks in Florida.



Florida Community Bank (FCB) Review


Florida Community Bank has more than $9.1 billion in assets, making it the third largest Florida-based bank. FCB maintains strong connections to the communities they service, ensuring they remain one of the best banks in Tampa, as well as throughout central and southern Florida.

FCB is defined by a sense of customized and personalized service, as well as a dedication to strengthening local economies and serving as a partner of the community as a whole.

Image Source: Florida Community Bank

This leader among banks in Florida operates under the parent company FCB Financial Holdings, which ensures they remain competitive with larger banks, without sacrificing quality of service.



Key Factors That Enabled This Bank to Rank as One of the Top Banks in Florida

When comparing the best banks in Florida, the following are some of the criteria leading to the inclusion of FCB on this ranking.

FCB Rewards Program

The FCB Rewards Program lets certain customers earn cash-back rewards on qualified debit-card purchases. This can be used with FCBO ECO, Essential, or Pinnacle personal checking debit card accounts.

With ECO Checking, users can start earning cash-back rewards immediately when signing up for Direct Deposit and making signature-based debit card transactions, with a maximum reward of $5 per statement cycle.

With Essential Checking, the criteria for enrollment is the same, but there is a maximum bonus of $10 per statement cycle, and the same holds true for the Pinnacle Checking CashBack Rewards program.

Mobile Banking

While FCB offers the personalized service of a small community bank, they feature the robust technology, accessibility, and convenient offerings of a larger bank. One way they do this is through the offering of mobile banking.

FBC mobile banking features and benefits include:

  • 24/7 secured account access
  • Bill payment options including the ability to schedule repeat payments or future date payments
  • Text banking
  • Mobile deposits
  • Tools to locate the nearest FCB branch or ATM
  • Mobile transfers
  • Apple Pay compatibility


Multiple Savings Options

An essential aspect of what makes FCB a leader among banks in Florida are their robust savings options, which are designed to meet a range of needs while also helping customers achieve their unique financial and savings goals and objectives.

Personal savings account options from FCB include:

  • Personal High Yield Money Market
  • Personal Money Market
  • Personal Savings
  • Minor Savings (for participants younger than 18 years old)
  • Pinnacle Savings
  • Essential Savings
  • ECO Savings
  • Pinnacle Money Market
  • Essential Money Market
  • ECO Money Market
  • Certificates of Deposit (CD)
  • Individual Retirement Accounts (IRA)

Home Mortgages

Under the umbrella of personal banking offers from FCB are home mortgage services. When consumers select FCB to be their mortgage provider, they have access to expert loan officers and a range of products that meet many needs.

Areas of mortgage specialty found at FCB include residential mortgage loan programs, high net worth services, affordable home loan programs and specialists, home equity lines of credit, and mortgage loan servicing.


To browse exclusive reviews of all Top-Rated Banks in Florida, please click on any of the links below:



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