Checking Accounts:

At First Community Bank, checking accounts offer the following benefits:

1. Security - Eliminates carrying a lot of cash or sending cash through the mail
2. Economy - Cost less than purchasing a money order
3. Legal proof - Imaged checks prove that a bill has been paid
4. Record keeping - Provides an excellent method of recording income and expenses
5. Income taxes - Provides a good record for various tax deductions
6. Safety - Each account balance is insured by the FDIC up to $100,000
7. IMAGED CHECKS ARE RETURNED MONTHLY

Checking Account Plans

A. First Free Checking Account ­ No minimum balance required. No monthly maintenance fee or service charges.
B. Advantage Club Checking Account - Unlimited check writing, and many free options and services. Monthly flat fee.
C. Regular Checking Account - Keep a minimum daily balance of $300 and no monthly maintenance fee.
D. Regular Checking With Savings - Same as regular checking, except keep $2,500 minimum in your passbook savings account and minimum balance fee will be waived.
E. Now Account - Keep at least $600 in account at all times, or $2,000 average balance, or $2,500 minimum in passbook savings account; interest bearing account. Call for rate.
F. Super Now Checking Account - Keep at least $2,500 average daily balance in account at all times; tiered interest-bearing account. Call for rate.
G. Senior Citizens Checking Account - Age 55 and over to qualify; no monthly maintenance fee and includes benefits with no fee charges.
H. Business Checking Account - Monthly service fee involved.
I. Organization Checking Account - No monthly service fee. No minimum balance required.
J. Home Equity Checking Account - For home equity loan customers. No minimum balance and no monthly maintenance fee or service charge.

To help the government fight the funding of terrorism and money laundering activities, Federal law required all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we ask for you name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a driver's license or other identifying documents.