CREATING VALUE FOR BUSINESS

Whether it's a multi-million dollar corporation, a family-run business, or a nonprofit, organizations large and small rely on us to listen, understand their business and to provide solutions that address their needs. We recognize that each business is unique. At First Community Bank we are dedicated to building deep relationships with our clients to help them leverage resources, save time and money, and compete more effectively.

COMMERCIAL LENDING SERVICES

We engage in a variety of commercial lending activities such as:

• Term Loans
• Working Capital Lines of Credit
• Commercial Mortgages
• Letters of Credit

While we have traditional terms available, often our products are customized to coincide with your company's cash flow or seasonal needs. In addition to having the flexibility to meet your company's needs, we make all lending decisions locally, therefore you get fast answers to all loan requests.

Government Guaranteed Programs

If your business qualifies, a government guaranteed loan could be the ideal choice for long term financing. Our commercial loan department can review your business plan and explain the program details.

MERCHANT BANKCARD SERVICES

We offer the best rates on VISA/MasterCard sales with quick settlement of bankcard deposits resulting in better cash flow for your business. 

We will come to your business and set up a complete bankcard processing system at the lowest cost available.

BUSINESS DEPOSIT ACCOUNTS

Because every business has different needs, we offer several options.  Our customer service representatives will help you make the appropriate choice for your situation.

Free Business Checking

No minimum balance. No monthly fee. 150 FREE monthly transactions. FREE Business Debit Card. FREE Internet banking 24/7.

Corporate Business Checking

This is an easy to use account for corporations with high transaction volumes. No minimum balance required. A monthly earnings credit based on the average collected balance maintained in the account will reduce and/or eliminate any monthly fees.

Business Money Market Account (Sweep)

Sweep excess balances above a predetermined target balance from your business checking account into a Business Money Account to maximize returns. Funds will automatically be transferred back into your business checking to cover checks clearing the account.

Community Money Account

For municipalities and non-profit organizations your everyday operating account can be your best money maker at First Community Bank. Superior returns and unlimited check writing capabilities equal a tremendous value for you. This product eliminates the need for transferring or sweeping funds between your operating account and a money market account to get the best return. Our Community Money Account provides both of these benefits in one account.

MasterCard Debit/ATM Card

The First Community Bank Debit Card is an ATM card that works like a check - but is even more convenient. Use the card to make business purchases at stores or to get cash at an ATM. No checks to write, no ID to show, no waiting for check approvals. The funds are automatically transferred from your First Community Bank business checking account. The card can be used at any of MasterCard's 21 million locations nationwide.

RETIREMENT PLANNING SERVICES

As a business owner, you are entirely responsible for your financial future.  Our  investment center has a variety of retirement plan solutions that can ease that burden. Get the benefit of tax deferred growth by setting up a plan today.

You provide a valuable benefit to employees when you offer them a retirement plan. The opportunity to secure a future helps reduce turnover and boost morale.  See our investment executive, Susan J. Cavell, for help in choosing a plan that is right for you.

Retirement Services are offered through PrimeVest Financial Services. PrimeVest Financial Services, Inc. is an independent, registered broker/dealer. Member SIPC. Securities and insurance products provided by PrimeVest; *Not FDIC Insured * May Go Down in Value * Not Financial Institution Guaranteed * Not a Deposit * Not Insured by any Federal Government Agency.