Community People You Know

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

Visa® Check Card
Internet Banking
eStatements
Telephone Banking

HERITAGE

For customers 55 or over

No Monthly S/C
Free Checks
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Bill Pay

n/a

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

Visa® Check Card
Internet Banking
eStatements
Telephone Banking

E-Z

Free checks
Image Statement
Flat fee, regardless of balance
Bill Pay

n/a

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

Visa® Check Card
Internet Banking
eStatements
Telephone Banking

*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.