F&C Bank

Commercial bank · Holden, United States

F&C Bank is a Missouri community bank founded in 1881, with USD 481 million of assets at 30 June 2026 and offices in Holden, Lone Jack, Kingsville and Warrensburg. Its business range is three checking accounts, a money market account, IntraFi insured cash sweep and CDARS, a business Mastercard credit card and a treasury management package built on commercial digital banking. Totally Free Business Checking has no monthly charge, no minimum balance and 1,000 free transactions a month. Money moves by ACH and domestic wire only: the site publishes no foreign exchange, international wire or trade finance service.

Legal name: F & C Bank
Regulated by: FDIC (deposit insurance, certificate 9378), Missouri Division of Finance
Licence confirmed: yes, on a regulator's own list
Established: 1881
Website: www.fandcbank.com

Scores, 0 to 10

8.0Lowest fees

Totally Free Business Checking has no monthly service charge, no minimum balance, 1,000 free transactions a month at USD 0.25 each above that and USD 10,000 of free currency deposits. · source

5.5Financial strength & stability

Equity to assets of 10.89%, tier 1 leverage of 11.01% and return on assets of 2.34% at 30 June 2026, but total assets of only USD 481 million, no public credit rating and no risk-based capital ratio in the FDIC filing. · source

5.0Business cards (Visa, Mastercard)

A free Debit Mastercard BusinessCard comes with every business checking account and the business credit card earns one point per dollar up to 10,000 points a month for a USD 49 annual fee with a 25 day interest free period, but no virtual cards or spend controls are offered. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: F&C Bank sells no crypto and publishes no rule on business payments to exchanges beyond a consumer warning to learn about crypto scams, and no reports of blocked transfers were found, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: no source-of-funds process for crypto proceeds is published and no reports of returned exchange wires at F&C Bank were found, checked September 2026. · source

4.5United States

Three FDIC-recorded Missouri offices and about USD 420 million of domestic deposits, with ACH and domestic wire origination through commercial digital banking, but no branch or service outside two Missouri counties. · source

4.5Customer satisfaction

The F&C Bank app scores 3.62 out of 5 from 16 US App Store ratings, too few to be a reliable signal. · source

4.0Best interest on business balances

Business Interest Checking pays what the site calls a competitive interest rate with no annual percentage yield published, and larger balances can be spread through IntraFi ICS and CDARS. · source

4.0Fast digital onboarding

No online business account application is published; the business checking page invites the reader to come open an account and to contact the bank for details. · source

3.0Crypto-friendly bank

The bank publishes no policy on crypto exchanges, brokers or miners; the business menu runs from business checking to ICS and CDARS and never mentions digital assets. · source

3.0Fintech companies that need a partner bank

Nothing is published on safeguarding accounts, sponsor banking, BIN sponsorship or rail access for payment firms; the bank's own digital banking runs on the CSI platform. · source

3.0Online businesses: e-commerce and SaaS

The business menu lists checking, money market, treasury management, business credit cards and ICS and CDARS, with no merchant acquiring or card acceptance product. No banking API, no accounting or payment platform integration and no foreign currency receiving account; a software company is treated as any local business. · source

3.0Startups & VC-backed companies

Lending is presented as apply now and meet our lenders, with no SBA programme, venture product or startup account named on the site. · source

3.0Foreign-owned & non-resident companies

No policy is published for companies whose owners or directors live abroad, and accounts are opened at one of four Missouri branches. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

No acceptable use or prohibited business list covering gambling, cannabis, adult content or forex brokers is published on the site. · source

2.0Cross-border payments, FX and multi-currency accounts

The treasury management page names domestic wire origination and no other payment corridor; there is no foreign exchange, international wire or foreign currency service on the site. Commercial digital banking with add-on ACH origination, domestic wire origination, bill pay and target-balance sweeps, all in US dollars, with no multi-currency account or cash pooling. · source

1.5Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply chain finance appear anywhere on the site, and wire origination is domestic only. · source

1.0Crypto wallet and custody for a business

No crypto custody or wallet for business clients: a search of the F&C Bank site for crypto returns only a consumer scam alert, and the business menu covers checking, savings and deposit sweep products, checked September 2026. · source

1.0Accept crypto payments

No crypto acceptance for merchants appears anywhere on the F&C Bank site, whose only crypto mention is a consumer scam alert, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or funds are offered on any F&C Bank page, checked September 2026. · source

1.0Ethereum

No ether product of any kind appears on any F&C Bank page, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement network membership appear on F&C Bank pages, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.