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PERSONAL CHECKING ACCOUNTS



Account Features Minimum Balance to Avoid Monthly Service Charge Monthly Service Charge Interest Free Services
PRESTIGE
  • Earn interest
  • Image Statement
  • Bill Pay
$1,000 Daily
Or
$1,800 Average
$5 plus
$.20 per debit
Yes *
  • Visa® Check Card
  • Internet Banking
  • eStatements
  • Telephone Banking
CENTSABLE
  • No Monthly S/C
  • Bill Pay
n/a $0 No
  • Visa® Check Card
  • Internet Banking
  • eStatements
  • Telephone Banking
HERITAGE For customers 55 or over
  • No Monthly S/C
  • Free Checks
  • Image Statement
  • Bill Pay
n/a $0 No
  • FCB Wallet Checks
  • Visa® Check Card
  • Internet Banking
  • eStatements
  • Telephone Banking
PREMIER
  • Image Statement
  • Bill Pay
$300 Daily
Or
$500 Average
$4 plus
$.15 per debit
No
  • Visa® Check Card
  • Internet Banking
  • eStatements
  • Telephone Banking
E-Z
  • Free checks
  • Image Statement
  • Flat fee, regardless of balance
  • Bill Pay
n/a $8 No
  • FCB Wallet Checks
  • Visa® Check Card
  • Internet Banking
  • eStatements
  • Telephone Banking
BUDGET
  • Low Activity/Low Fee
  • Image Statement
  • Bill Pay
n/a $.30 per debit No
  • Visa® Check Card
  • Internet Banking
  • eStatements
  • Telephone Banking
arrow*Contact an account representative for current rates. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. (for example, checks). Interest will be compounded daily and will be credited to the account monthly. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
OVERDRAFT PROTECTION

First Community’s Overdraft Protection “Ready Reserve” is a line of credit tied to your checking account that is activated if you overdraw your checking account. Ready Reserve cannot only prevent even the most infrequent overdraft, but can also give you flexibility to handle unexpected emergency situations that may arise.  Ready Reserve requires credit approval and applications can be obtained at your local First Community Branch.



 
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