FREE VIP Checking Account

The FREE checking account for all personal accounts. No monthly service charges or minimum balance requirements apply to this account.

FREE:

  • Visa Check Card
  • ATM Access Card
  • Internet Banking
  • Bill Payment Service
  • Notary Services
  • Direct Deposit

Plus FREE Bonuses:

  • Account Checks - first box at account opening

SAVE $ $ $

  • No Account Fees
  • No Monthly Service Charges
  • No Minimum Balance Requirements

FEATURING

  • Overdraft Privilege up to $800**
  • Checking & Deposit Services 24/7 with ATMs
  • ScoreCard Rewards

* Limit one account per family. Truncated statement mailed monthly. $100 minimum required to open account and receive bonuses.

Regular Checking Account

A regular checking account is an efficient and simple way to keep finances in balance. Only a minimum of $100.00 is needed to open an account, and no monthly service charges will apply if the average balance stays above $500.00. This account may be eligible for an Overdraft Privilege Limit of $800.00**. A free Visa Check Card is included with this account.

The following monthly service charges will apply if the average balance falls below $500.00.

  • $400.00 - $499.99 ...................................................... $2.00
  • $300.00 - $399.99 ...................................................... $3.00
  • $200.00 - $299.99 ...................................................... $4.00
  • $100.00 - $199.99 ...................................................... $5.00
  • $0.00 - $99.99 ............................................................. $6.00
  • Less than - $ 0.00 ...................................................... $8.00

If the average balance falls below $500.00, a limit of 30 checks per statement period will apply. After this limit a $0.18 charge will apply for each additional check.

50 Gold Bonus Account

The 50 Gold Bonus Account offers free personal checking to customers age 50 and over. No monthly service charge or minimum balance requirements apply to this account. This account may be eligible for an Overdraft Privilege Limit of $800.00**. Other benefits include a free Visa Debit Card and direct deposit arranged for government benefits or pension checks at no cost.

Business Checking Account

A Business Checking Account is perfect for any business, small or large. The minimum to open this account is $250.00, and no monthly service charges will apply if the average balance stays above $500.00. This account may be eligible for an Overdraft Privilege Limit of $1,500.00**. A free Visa Debit Card is included with this account.

The following monthly service charges will apply if the average balance falls below $500.00.

  • $400.00 - $499.99 ...................................................... $2.00
  • $300.00 - $399.99 ...................................................... $3.00
  • $200.00 - $299.99 ...................................................... $4.00
  • $100.00 - $199.99 ...................................................... $5.00
  • $0.00 - $99.99 ............................................................. $6.00
  • Less than - $ 0.00 ...................................................... $8.00

If the average balance falls below $500.00, a limit of 30 checks per statement period will apply. After this limit a $0.18 charge will apply for each additional check.

NOW Account

A NOW Account is an interest bearing account available to all individuals, not for profit organizations, trusts, government entities, and sole proprietorships. Interest is compounded on a daily basis at the prevailing rate and subject to change at our discretion. The minimum amount to open this account is $1,000.00, and no monthly service charges will apply if the balance stays above $1,000.00. This account is eligible for an Overdraft Privilege Limit of $800.00**. A $6.00 monthly service charge will apply to accounts with balances under $1,000.00. This account is limited to 30 checks per month with no charge. After this limit, a $0.18 charge will apply for each additional check. A free Visa Debit Card is included with this account. Federal regulations currently restrict partnerships and corporations from having NOW Accounts.

Square One Account

Have you had difficulty opening a checking account in the past? Square 1 is the account for you!

FREE Internet Banking
FREE Bill Pay
Personalized Checks

Square One Checking is for personal accounts only. $100.00 minimum to open the account. Square One Checking is designed to last 18 months. After 18 months of no overdrafts, you may open any account of your choice. If an overdraft occurs during the 18 months, you must start completely over with a goal of having no overdrafts for another 18 months. If you are interested in a Visa Debit Card you must come in the bank and request a 6 month review. Once your account has been reviewed, if no overdrafts have occurred within 6 months, the bank may award you with a Visa Debit Card. If your account does not qualify, the 6 month count will restart.

This account will include an $8.00 service fee.

**We may approve certain transactions overdrawing your account. A consumer overdraft item fee of $25.00 per transaction will apply to each item creating an overdraft with a daily limit of $100.00 per day where the overdrawn account balance is $10.00 or greater. A standard overdraft account fee of $5.00 will also be assessed when an account remains in an overdrawn condition for more than 5 calendar days. An additional $5.00 fee will be repeated every 5 calendar days until the account balance is not longer negative. These fees will be included in the overdraft limit. This discretionary service will also be limited to $1,500 overdraft (negative) balance for Business Checking Accounts (subject to approval). A commercial overdraft item fee of $25.00 will apply to each transaction creating an overdraft to your Business Checking Account. A standard overdrawn account fee of $5.00 will also be assessed when an account remains in an overdrawn condition for more than 5 calendar days. An additional $5.00 fee will be repeated every 5 calendar days until the account balance is no longer negative. These fees will be included in the overdraft limit. The categories or types of transactions overdrawing your account may include Checks, ACH, Electronic Items, ATMs, Visa Debit Card purchases and Online Banking Bill Payment. Furthermore, you may revoke your affirmative consent to have ATM and everyday debit card transactions considered for payment under the Overdraft Privilege Service without removing other items from the service by notifying one of our customer service representatives. The account holder must affirmatively consent for us to consider authorizing and paying overdrafts on ATM and everyday debit card transactions. The account must be brought to a positive balance every 30 days. Whether your overdraft will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. You may choose at any time to not participate in our Overdraft Privilege Service by notifying one of our customer service representatives. Contact a First Community Bank Customer Service Representative for more details. As an alternative to the Overdraft Privilege Service we offer Overdraft Protection Linked Accounts. This service links another account of yours with us, such as a savings account. If you apply and are approved for these optional services, you may save money on the total fees you pay us for overdraft services.