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Personal Checking Accounts

Banking That Fits Your Life

All personal checking accounts come with:
  • A Mastercard debit card
  • Complimentary Digital Banking via FCB’s online banking site and mobile banking app. Digital Banking services include mobile check deposit, Bill Pay, online statements, card management, and much more
  • ATM Fee Refunds¹ 

Student Checking

  • Available to Students Age 14-23
  • No Balance Requirement
  • No Monthly Service Charge


Virtual Checking



Basic Checking

  • $100 Balance Requirement²
  • $5 Monthly Service Charge³  
  • ID TheftSmart™ Available 


Direct Interest Checking

  • $100 Balance Requirement²
  • Direct Deposit or Automatic Payment Required
  • $9 Monthly Service Charge³   
  • Earns Interest
  • ID TheftSmart™ Available


Plus Checking

  • $1,000 Balance Requirement²
  • $15 Monthly Service Charge³   
  • Earns Interest
  • ID TheftSmart™ Available
  • Free Checks


Principal Checking

  • $5,000 Balance Requirement²
  • $25 Monthly Service Charge³   
  • Earns Interest
  • ID TheftSmart™ Enrollment Included
  • Free Checks , Cashier's Checks, and Stop Payments 


Supreme Checking

  • $5,000 Balance Requirement²
  • $30 Monthly Service Charge³   
  • Earns Interest
  • ID TheftSmart™ Enrollment Included
  • Free Checks, Cashier's Checks, and Stop Payments
  • 50% Off Safe Deposit Box Rental






















Bauer 5-Star Rating

First Community Bank is proud to have a 5-Star Bauer Financial rating.

A 5-star rating from Bauer Financial symbolizes a Superior financial institution with exceptional strength, stability, and performance. 

This independent rating highlights strong capital, responsible management, sound lending practices, and the ability to navigate economic changes while protecting customer assets. These ratings are earned through objective analysis of public financial data, not paid endorsements.

In short, it's a trusted, third-party confirmation that FCB is among the strongest and safest in the nation.