› Totally Free Checking
• Minimum amount to open: $100
• No monthly service charge
• No minimum balance requirement
• Free First Community Bank ATM card
• First Community Bank Debit card subject to approval
• Unlimited check writing
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Itemized monthly statements
• Non-imaged statements
› Regular Checking
• Minimum amount to open: $100
• No monthly service charge on balance of $500 ($6 if balance falls below $500)
• Free First Community Bank ATM card
• First Community Bank Debit card subject to approval
• Unlimited check writing
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Itemized monthly imaged statements with free organizer
› Interest Checking
• Minimum amount to open: $100
• No monthly service charge on balance of $500 ($6 if balance falls below $500)
• Interest paid on daily ledger balance at current Interest Checking rate
• Free First Community Bank ATM card
• First Community Bank Debit card subject to approval
• Unlimited Check Writing
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Itemized monthly imaged statements with free organizer
› Community Club Checking
• Minimum amount to open: $100
• Free Community Club Checks
• $8, $9, or $10 monthly service fee
• $10,000, $20,000, or $30,000 accidental death and dismemberment insurance
• Free money orders & cashier's checks (2 per visit)
• Free Travelers Check (single)
• Free photo copies (5 per visit)
• Upon customer request, a ¼% off origination fee on secondary mortgage loans may be obtained.
• Free First Community Bank ATM card
• First Community Bank Debit card subject to approval
• Unlimited Check Writing
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Itemized monthly imaged statements with free organizer
• Free Community Club checks
› Fifty-Plus Checking
• Minimum amount to open: $100
• Free with direct deposit ($5.75 monthly service charge if balance falls below $500 without direct deposit)
• Free First Community Fifty-Plus wallet checks
• Interest paid on daily ledger balance at current Fifty-Plus rate
• Free money orders & cashier's checks (2 per visit)
• Free Travelers Check (single)
• Free photo copies (5 per visit)
• Free stop payments
• Free notary service
• Free First Community Bank ATM card
• First Community Bank Debit card subject to approval
• Unlimited Check Writing
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Itemized monthly imaged statements with free organizer
› Savings Account
• Minimum amount to open: $100
• No monthly service fee
• Interest paid quarterly at current Savings rate
• Unlimited deposits and up to six withdrawals per quarter (a withdrawal fee of $1 will be charged for each debit in excess of six per quarter)
• Free First Community Bank ATM card
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Quarterly itemized statements
› Christmas Club
• No minimum deposit
• No monthly service fee
• Interest paid annually at Christmas Club rate
• Auto transfer option with other account relationship
• One penalty-free withdrawal ($5 withdrawal fee for each additional withdrawal)
• Choose a flexible contribution plan and make deposits throughout the year
• Checks available every November prior to the holiday shopping season
• Limit two accounts per family
• Limited to maximum of $5000 per account
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› Personal Loan Types
(online loan contact form)
• Auto/boat/recreation loans
• Personal and business loans
• Real estate/construction loans
• Agriculture loans
• Home loans: FHA, VA, Conventional fixed & adjustable rate mortgages
• Home equity loans
• Home improvement loans
• Student guaranteed loans
› Credit Card Services
• Visa, Mastercard
• No Annual Fee
• Low interest rate
• Earn Rewards on every dollar spent on Visa Platinum and Business MasterCard
• Make payments locally
• www.scorecardrewards.com
› Individual Retirement Account
• Minimum amount to open: $100
• Custodial IRAs are invested in fixed rate CDs with maturities ranging from 30 days to 5 years
• Specialized professionals are available to help answer all your questions
• Health Savings Accounts
› Certificates of Deposit
• Minimum amount to open: $500
• Competetive market rates on maturities from 30 days to 5 years
› Investment Account
• Minimum amount to open: $100
• No monthly service charge on balance of $2500 ($3.50 if balance falls below $2500)
• Interest paid on daily ledger balance at currrent Money Market rate on balances that follow:
$0 - $7,999
$8.000 - $23,999
$24,000 - $74,999
$75,000 - $99,999
$100,000 - above
• Unlimited deposits, up to 6 withdrawals per statement cycle (only three can be third party checks, draft of similar orders.) A withdrawal fee of $4 will be charged for each debit in excess of six per statement cycle.
• Free FirstLink Internet Banking and BillPay
• Telephone Banking line
• Itemized monthly imaged statements with free organizer
› Features
(Applies to current or retired educators and employees of schools, colleges, and unversities. Must have an active First Community account.)
• No minimum to open
• No monthly service fee
• Direct Deposit option
• Free Regular Checking with no check writing limit
• Free First Community Bank ATM card
• Preferred rates on loans with automatic deduction payments
• Premium rates on Certficates of Deposit
• Discount on closing costs for Home Mortgages
• No fee on official checks
• Travelers Checks at no issue charge
• Free Notary Service
• Free photocopy service (10 copy limit)
• Free Educators' Club checks
• Itemized monthly imaged statements with free organizer
• Free FirstLink Internet Banking and BillPay
• First Community Bank debit card, subject to approval
› Youth Savings Account - Squirrels Club
• No minimum to open
• No monthly service fee
• Interest paid quarterly at current Youth Savings rate
• Unlimited deposits and up to six withdrawals per quarter (a withdrawal fee of $1 will be charge for each debit in excess of six per quarter)
• Free FirstLink Internet Banking
• Telephone Banking line
• Quarterly itemized statements
• Teaches children the importance of saving
• Three fun club activities a year
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