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Checking Accounts

Personal Checking

Bank On-Demand

free online banking & bill pay

Low Minimum Balance

of $200

Unlimited Use

no check or debit limits


  • No fees with daily minimum balance
  • Monthly statement with check images
  • Free debit card
  • Zero per check or debit fees
  • No minimum opening deposit
  • No limits on check writing

How do I avoid fees?

Maintain the $200 minimum balance or maintain $500 in a linked Regular Savings Account or $2,500 in a linked Premium Savings Account to avoid the monthly maintenance fee.

MAINTENANCE FEE
$7.50 per month
ATM FEE
$0.50 per transaction

Overdraft Protection

Check Reserve
Advance funds from a line of credit attached to your account.

Personal Savings
Transfer funds between savings and checking accounts.

Second Checking
Link a second checking account to a primary account.

Debit Cards

Personal banking customers can apply for and be issued PIN-protected debit cards for real-time access to checking account funds. Access your funds with ease and convenience from First Community Bank, Star, Plus and Jeanie ATMs.

Debit cards have transaction cash limits to protect you, but limit increases may be available. Even better? Your debit card is free.


Phone Number

Open an account.
800.829.6372 or have us call you.