The ultimate FREE checking account for all personal accounts. No monthly service charges or minimum balance requirements apply to this account. It offers more benefits than any other free checking account.
* Limit one account per family. Truncated statement mailed monthly. $100 minimum required to open account and receive bonuses. APY=Annual Percentage Yield. Tiered Interest Earning determined by average balance. Stated APY effective as of March 19, 2008. Interest rates subject to change at our discretion. .
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.
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.
The 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 Check Card, free travelers checks, and free direct deposit for social security or pension checks.
A Student Checking Account has been created especially to help full-time and part-time students manage their finances. It only takes $100.00 to open a student checking account. The account is absolutely free. No monthly service charges or minimum balance requirements apply. A free Visa Check Card is included with this 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 Check Card is included with this account.
The following monthly service charges will apply if the average balance falls below $500.00.
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.
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 Check Card is included with this account. Federal regulations currently restrict partnerships and corporations from having NOW Accounts.
** We may approve certain transactions overdrawing your account. A NSF fee of $25.00 will apply per transaction creating an overdraft. The categories or types of transactions overdrawing your account may include checks, in-person withdrawals, ATM withdrawls, or other electronic means. An overdrawn account fee of $5.00 will also be assessed when an account remains in an overdrawn conition for more than 5 calendar days and a $5.00 fee will be repeated every 5 calendar days until the account balance is no longer negative. 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 you account is not in good standing, or you are not making regular deposits, or you have to many overdrafts. Contact a First Community Bank Representative for more details.