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  • Minimum balance to open the account – You must deposit $100.00 to open this account.
  • No Limit on Transactions
  • Choices
    • Truncated Statement No Fee – you will not receive an image of your checks with the monthly statement – you can see and print the images through our internet banking product.
    • Image Statement – $3.00 Monthly Fee – Statement with copies of checks and deposits.
    • 5 Free Money Orders and Unlimited In-House Checks Printed as Needed – $4.00 Monthly Fee
  • High Rate Interest Bearing Account – Check our rate page for current rate details.
  • Minimum balance to open the account  You must deposit $100.00 to open this account..
  • The following requirements must be met to receive the top interest rate for the month on the first $10,000.
    • Internet Bill Pay  you must complete at least 1 bill pay per month.  If this requirement is not met you will be charged a monthly fee. Refer to fee schedule for fee. There is no fee as long as at least 1 bill is paid each month.
    • CSIeSafe Statement – you must agree to receive your statements electronically.  You can print out or save your statements electronically.  These can be retrieved through the FCB internet banking product
    • Debit Card Transaction – you must have at least 12 debit card transactions each statement cycle (Transaction is counted on the date the transaction posts and clears).  The statement cycle will end the 6th of each month provided the 6th is a business day.  If the 6th is not a business day the statement cycle will be the business day prior.   The term debit card transaction refers to signature or PIN based transactions.
    • You can call 1-866-860-2030 using your telephone banking to get information about your account such as: retrieve balances, transfer funds, hear account history or activate your debit card. PIN for this will be the PIN used to activate the debit card.  This toll free number is also the number to call if the card is lost or stolen during hours the bank is closed.
    • Truncated Account – you will not receive an image of your checks with the monthly statement – you can see and print the images through our internet banking product.
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
  • Frequency of rate changes – We may change the interest rate on your account.
  • Determination of rate – At our discretion, we may change the interest rate on your account at any time.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $1000.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.  This will be waived if you maintain an average daily balance of $2,500.00 in this account for the month.
  • Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is the monthly statement cycle.
  • Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Determination of rate – At our discretion, we may change the interest rate on your account.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $100.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will be imposed each statement cycle if the combined minimum daily balanced in linked Checking, Savings, CDs, and IRAs fall below $5,000.00.
  • Average daily balance computation method – We use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is the monthly statement cycle.
  • Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Additional Benefits 
    • FCB Checks Free – Each club member will receive free checks that are printed by First Community Bank. There will be a postage fee if the checks are to be mailed.
    • Money Orders/Cashier’s Check Fees – Money order checks or Cashier’s Checks are available to club members with no issue charge.  Limit 5 per month.
    • Notary and Photocopy Services – You will receive free notary service and free photocopies.  Limit to 12 per month
    • Safe Deposit Box Discount – Receive a $10.00 per year discount on the rental of a box.  Limited to 1 discounted box per Select Set account.
    • Newsletter – A newsletter is sent approximately three times each year to our Select Set members.  This newsletter details any upcoming events for this group.
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Determination of rate – At our discretion, we may change the interest rate on your account.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $1,000.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will imposed every statement cycle unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily of $2,500.00 for the monthly statement cycle.
  • Average daily balance computation method – You use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is the  monthly statement cycle.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Transaction limitations – Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month.
  • Fees – An excess withdrawal fee of $5.00 will be charged for each check in excess of six during a statement cycle.

Cash Reserve is an unsecured line of credit that provides overdraft protection for your checking account. This account protects you from incurring overdraft fees.  See a loan officer for more details.

Transfers from your Checking, Savings, or Money Market Account will be made in multiples of to cover each overdraft in your Checking Account. Check Card (debit) and ATM transactions will be authorized based on your available balance in your transfer account. A fee of $5 will be charged to your Checking Account for each transfer.

A health savings account is an account established exclusively for the purpose of paying or reimbursing qualified medical expenses for you, your spouse and your dependents.  These expenses may include medical, dental, vision and other qualified expenses.  Contributions are fully tax-deductible and distributions used to pay for qualified medical expenses are tax-free.  Account balances roll over from year to year and accumulate tax deferred.

You must have a high-deductible health plan to be eligible. Please talk to your health insurance provider to see if your plan qualifies.  If you are interested in opening an HSA, please contact us today.

  • Minimum deposit to open account – You must deposit $100.00 to open this account
  • Rate information – At our discretion, we may change the interest rate and annual percentage yield on your account at any time. HSA has a tiered rate depending upon account balance.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Determination of rate – At our discretion, we may change the interest rate on your account.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Average daily balance computation method – You use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is the  monthly statement cycle.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Fees – No monthly or annual fees.
  • Effect of closing an account – If your close your account before interest is credited, you will not receive the accrued interest.
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Compounding and crediting frequency – Interest will be compounded every quarter.  Interest will be credited to your account every quarter.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $25.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $2.50 will imposed every statement cycle unless you maintain either a minimum daily balance of $100.00 or a minimum average daily of $300.00 for the statement cycle.  (This fee will be waived for minors under the age of 18 and we have been notified.)
  • Average daily balance computation method – You use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is quarterly.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Transaction limitations – Transfers from this account to third parties by preauthorized, automatic, or telephone transfer are limited to three per statement cycle with no transfers by check, draft, or similar order to third parties.
  • Fees – An excess withdrawal fee of $1.00 will be charged for each withdrawal in excess of nine during a quarter.

Every time you make a purchase with your FCB Visa® Debit Card, we’ll “Round Up” your purchase to the next whole dollar amount. The amount in excess of the purchase price is transferred from your checking account to your Round Up Savings account.

To Join Round Up Savings, You’ll Need the Following:

  • FCB Checking Account
  • FCB VISA® Debit Card
  • FCB Savings Account
  • Rate Information – Rate is reviewed annually in October. Please see rate page for current rate.
  • Compounding and crediting frequency – Interest will not be compounded.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $2.00 to open this account.
  • Average daily balance computation method – Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is annually.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Time requirements – Your account will mature October of every year.
  • Early withdrawals – No accrued interest will be paid plus there will be a fee for early withdrawal with approval for withdrawal
  • Deposit limitations – The maximum amount you can deposit is $6000.00.
  • Automatic renewable account – Your account will automatically renew at maturity.  This account will mature October of every year.  The account automatically renews if a deposit is made by January 31 of the following year.
  • Additional Terms – Interest and principle will be paid by check or direct deposit annually during the month of October.
  • Rate Information – Rate is review annually in June. Please see rate page for current rate.
  • Compounding and crediting frequency – Interest will not be compounded.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $2.00 to open this account.
  • Average daily balance computation method – Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.  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.  The period we use is annually.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Time requirements – Your account will mature June of every year.
  • Early withdrawals – No accrued interest will be paid plus there will be a fee for early withdrawal with approval for withdrawal.
  • Deposit limitations – The maximum amount you can deposit is $10,000.00.
  • Automatic renewable account – Your account will automatically renew at maturity.  This account will mature June of every year.  The account automatically renews if a deposit is made by August 31 of the following year.
  • Additional Terms – Interest and principle will be paid by check or direct deposit annually during the month of June.

Deposit Account Rates (Checking & Savings)

Personal Deposit AccountsMiniumum Daily Balance to obtain Annual Percentage Yields (APY) *Annual Interest RateAnnual Percentage Yield (APY)**

Select Set

$5,000.00 Combined Balance***

0.145%

0.150%

Interest Checking

$1,000.00

0.145%

0.150%

Rewards Checking (tiereed rate)

up $10,000 - Qualifying Balance

0.745%

0.750%


Over $10,000 - Qualifying Balance

0.150%

0.150%


Non-Qualifying Balance

0.050%

0.050%

Money Market Savings (tiered rate)

$0.00 - $9,999.99

0.145%

0.150%


$10,000.00 - $49,999.99

0.195%

0.200%


$100,000 - $499,999.00

0.395%

0.400%


$500,000 and over

0.495%

0.500%

Savings Account

$100.00

0.250%

0.250%

Christmas Club Account****

$2.00

1.000%

1.000%

Summer Savings Club

$2.00

0.500%

0.500%

Health Savings Account (tiered rate)

0.00 - $999.99

0.100%

0.100%


$1,000 and up

1.240%

1.250%

Business Deposit Accounts

Miniumum Daily Balance to obtain Annual Percentage Yields (APY) *

Annual Interest Rate

Annual Percentage Yield **

Business Interest Checking

$1,000.00

0.145%

0.150%

Business Money Market

$0.00 - $9,999.99

0.145%

0.150%

$10,000.00 - $49,999.99

0.195%

0.200%

$50,000.00 - $99,999.99

0.295%

0.300%

$100,000 - $499,999.00

0.395%

0.400%

$500,000 and over

0.495%

0.500%

$100.00

0.250%

0.250%