Products and Services

OUR CHECKING ACCOUNTS MAKE IT SIMPLE TO KEEP YOUR FAMILY FINANCES SAFER AND TAKE ADVANTAGE OF SMART DISCOUNTS ON FINANCIAL SERVICES.

Personal Checking Account

The minimum required to open this account is $50.00. You must maintain a daily balance of $500.00 to avoid a service charge. If the balance falls below $500.00 any day during your statement cycle the fee will be $5.00 a month. This is a non-interest bearing account.

First Preferred Checking Account

Be Safer. Spend Smarter. It’s Simple! The minimum required to open this account is $100.00. Click here to view the everyday benefits of this account

First Preferred Checking Plus (50+)

The minimum required to open this account is $50.00. Click here to view benefits of this account. Listed in the box on the right side of the brochure.

Money Market

The minimum required to open this account is $2,500.00. Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by draft, debit card, or similar order to third parties are limited to six per calendar month. An excess withdrawal fee of $2.00 will be charged for each debit transaction in excess of six during a calendar month.

Savings Account

The minimum required to open this account is $50.00. Transfers from Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by draft, debit card, or similar order to third parties are limited to six per calendar month. An excess withdrawal fee of $1.00 will be charged for each debit transaction in excess of six during a calendar month. A maintenance service charge of $3.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month. Statements will be mailed quarterly.

Certificate of Deposit

Certificates are a great way to earn interest. They offer you great earning potential without the worry of losing what you worked so hard to save. They generally pay higher yields for longer terms. We offer CDs that range from 7 days to 60 months.

Jumbo CDs are also available. Please call or stop by one of our neighborhood locations and ask one of our representatives for details. FDIC insured.

IRA's

Save money for the future by opening an IRA account. You may receive special tax benefits. (Consult your tax advisor for further tax benefits.) We offer Traditional IRAs, Roth IRAs, and The Coverdell Education IRA. Please call or stop by one of our neighborhood locations and ask one of our representatives for details. FDIC insured.

Debit Cards/Master Money Cards

A new and easier way to pay. Faster than writing a check and safer than carrying a lot of cash. Use it for ATM banking or wherever MasterCard® debit cards are accepted.

Business Checking

First National Community Bank offers the following business accounts:

Commercial Checking

• Unlimited Check writing
• Online Banking with Bill Pay
• Debit Card
• eStatement available
• $50 minimum deposit to open the account

Monthly Service fee - $8.00 per month if the balance falls below $400. $4.00 per month if the balance remains above $400.

Business accounts will need to meet the following criteria to have the monthly service charge waived.

• Maintain a $5,000 average daily balance
• Maintain $50,000 in loans with First National Community Bank
• Maintain a $25,000 aggregate average daily balance in other First National Community Bank Accounts.

Commercial Checking Analysis

• Online Banking with Bill Pay
• Debit Card
• eStatement available
• $50 minimum deposit to open the account
• Monthly Charge $10.00
• Fees per Deposit $0.10
• Fees per Debit $0.10
• Coin/Currency $2.00 per $1,000
• Earning Credit .20% per $1,000

Commercial Money Market

• Online Banking with Bill Pay
• eStatement Available
• $2,500 minimum to open the account
• i>
• Earns Interest
• Transaction Limitation to six per month to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order.
Fees – Excess withdrawal fee of $2.00 per debit transaction in excess of six during a calendar month.

Commercial Signature Money Market

• Online Banking with Bill Pay
• $50,000 minimum to open the account
• Earns Interest
• eStatement Available
• Transaction Limitation to six per month to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order.
• Fees – Excess withdrawal fee of $2.00 per debit transaction in excess of six during a calendar month.

Business Savings

• Online Banking with Bill Pay
• $50 minimum to open the account
• Earns Interest
• eStatement Available
• Transaction Limitation to six per month to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order.
• Fees – Excess withdrawal fee of $1.00 per debit transaction in excess of six during a calendar month.

Consumer Loan Products

1. Residential Real Estate
   • Home Construction
   • Remodeling
   • Additions
   • Improvements
   • Home Equity Lines of Credit
   • 1st and 2nd Mortgages and Non Owner Occupied
2. Auto Loans
   • New Cars
   • Used Cars
   • Boats & RV's
3. Personal Loans
4. Overdraft Lines of Credit

Don't let another year go by without taking that vacation or buying that new car you're eyeing. Whether it is a loan to consolidate debts or you are just running short at the end of the month. Whatever dream you have, First National Community Bank has the lending team and expertise to help you with your financing.