Personal Checking

Accounts For Every Stage of Life

First Community Bank checking accounts are designed to meet your needs. All personal checking accounts at FCB come with:

A Mastercard debit card
Complimentary Digital Banking via FCB’s online banking site and mobile banking app. Digital Banking services include mobile check deposit, Bill Pay, online statements, card management, and much more
ATM Fee Refunds¹

Compare our most popular personal checking accounts:

Virtual Checking

No Balance Requirement
No Monthly Service Charge
ID TheftSmart™ Available

Basic Checking

$100 Balance Requirement²
$5 Monthly Service Charge³
ID TheftSmart™ Available

Plus Checking

$1,000 Balance Requirement²
$15 Monthly Service Charge³
Earns Interest
ID TheftSmart™ Available
Free Checks⁴

View All Personal Checking Accounts

¹Up to $15/per statement period.

²Balance requirement based on average collected balance for the statement period.

³Monthly service charge waived when balance requirement is met for the statement period.

⁴One box of basic checks per calendar year.

Terms and conditions apply. See a Universal Banker for full details.

All new accounts are verified through ChexSystems® risk, fraud, and identity solutions. ChexSystems® is a registered trademark of Chex Systems, Inc.

Ready to open an account? Reach out today!

First Community Bank is proud to have a 5-Star Bauer Financial rating.

A 5-star rating from Bauer Financial symbolizes a Superior financial institution with exceptional strength, stability, and performance.

This independent rating highlights strong capital, responsible management, sound lending practices, and the ability to navigate economic changes while protecting customer assets. These ratings are earned through objective analysis of public financial data, not paid endorsements.

In short, it's a trusted, third-party confirmation that FCB is among the strongest and safest in the nation.