First Community Bank Checking

We offer a wide variety of checking account plans to fit your needs, whether it is
for individual, student, senior citizen, club, churches or businesses.

CENTSABLE CHECKING

PREMIER CHECKING

PRESTIGE CHECKING

E-Z CHECKING

BUDGET CHECKING

HERITAGE CHECKING

COMMERCIAL CHECKING

ESTATE CHECKING

SMALL BUSINESS CHECKING

Funds Availability Disclosure

CENTSABLE CHECKING

Account Fees: This account has no monthly service charges and no minimum balance. A charge of $5.00 will be assessed for a copy of a cancelled check.

PREMIER CHECKING

Account Fees: A service fee of $4.00 plus $.15 per check will be assessed every statement cycle unless you maintain either a MINIMUM DAILY BALANCE of $300.00 or a MINIMUM AVERAGE DAILY BALANCE of $500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

PRESTIGE CHECKING

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. 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.

Balance Information: 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.

Account Fees: A service fee of $5.00 will be assessed every statement cycle unless you maintain either a MINIMUM DAILY BALANCE of $1,000.00 or a MINIMUM AVERAGE DAILY BALANCE of $1,800.00 for the monthly statement cycle. A per check charge fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer of payment out of this account).

E-Z CHECKING

Account Fees: Free check blanks (certain styles only) and a service fee of $8.00 will be assessed monthly.

BUDGET CHECKING

Account Fees: A per check fee of $.30 will be assessed for each debit transaction (withdrawal, check paid, automatic transfer of payment out of this account).

HERITAGE CHECKING

Account Fees: No service charge regardless of balance maintained or the number of checks written. Only available to account owners 55 years old or older. Free checks (in certain styles only). No fees for cashier checks or money orders.

COMMERCIAL CHECKING

Account Fees: Following are charges to your account:

Monthly Maintenance Fee	$7.00
Per Check and withdrawal	$.15
Per electronic debit or Credit	$.15
Per Deposit	$.15
Charge per deposit item: On First Community Bank Not on First Community Bank	$.08 $.10

Earning credits - Service charges may be offset by an Earnings Credit on your average collected balance (less a 3% reserve requirement) based on the preceding 4 week average of the 91 day Treasury bill rate.

ESTATE CHECKING

Balance Information: 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.

SMALL BUSINESS CHECKING

Designed for business with lower account activity.

No monthly maintenance fee if $400 minimum balance is maintained.
If account balance falls below the minimum, a monthly maintenance fee of $7.00 is assessed.
The first 150 checks, deposits, and deposited items during the statement cycle are FREE, then 25 cents each thereafter, regardless of the account balance.