First Choice Personal Accounts and Services

Discover accounts at First Choice Community Bank that are flexible enough to serve you and your family through life's changing needs.

First Choice accounts are designed around the way you live. We help you have greater control over your finances, and faster access to your financial information.

Checking Accounts

Free Checking

  • A true free checking account with unlimited check writing.
  • There's no minimum balance required, and no monthly service charge.
  • Use any ATM anywhere for free, up to eight transactions per month.
  • Free Bill Pay for paying your bills online.
  • No Bounce Banking overdraft privilege limit of $300.00 available for qualifying account holders.
  • Your first order of standard personalized checks is free.
  • $100.00 minimum opening deposit.
  • Direct deposit not required.

Personal Checking with Interest

An account that compares to no other, our Personal Checking with Interest account is designed to make your life a little simpler and to help you reach financial success.

  • Why pay for a checking account when the checking account could pay you? Put your money to work, with free, unlimited check writing.
  • With a $1,000 average daily balance you'll avoid the $8/month service charge.
  • Use any ATM anywhere for free, up to eight transactions per month.
  • Free Online Banking and Bill Pay.
  • Balances over $10,000 earn a higher interest rate. Balances over $50,000 earn an even more attractive rate. Interest is paid monthly.
  • Your standard personalized checks are always free.
  • 25% discount on Safe Deposit Box rental.
  • Receive bonus rates on First Choice CDs.
  • No Bounce Banking overdraft privilege available for qualifying account holders.
  • $100.00 minimum opening deposit.
  • Direct deposit not required.

Gold Choice Checking

  • Receive an impressive premium interest rate on you checking account with unlimited check writing.
  • Use any ATM anywhere for free, up to ten transactions per month.
  • Free Bill Pay for paying your bills online, plus free travelers checks and cashiers checks.
  • Your standard personalized checks are free.
  • $100 minimum opening deposit.
  • Avoid the monthly service charge with a minimum daily balance of just $2,500, aggregate deposit total of $25,000 or current outstanding loan balance of $25,000.

Savings Accounts

  • Earn interest with a competitive rate that adjusts to market conditions.
  • There's no monthly service charge, and up to six withdrawals or transfers are permitted per statement cycle.
  • $100 minimum opening deposit.
  • We offer savings accounts to businesses, individuals, and children.

Money Market Accounts

Let your money work for you. With our money market account, individuals and businesses can earn interest on deposits at premium rates with easy access to their funds. Our money market account is just another way to help you or your business become successful.

  • Interest is paid monthly. Watch your money grow!
  • Balances over $10,000 earn a premium interest rate. Balances over $50,000 earn a super-premium rate. Balances more than $500,000 earn an even more attractive rate.
  • With a $1,000 average daily balance you'll avoid the $7/month service charge.
  • Unlimited free withdrawals or transfers are permitted when made in person. Otherwise, six withdrawals or transfers are permitted per month, three of which may be payments by check to a third party. A $2 fee is applied for each additional withdrawal or transfer that is not made in person.
  • Your account is FDIC protected.$100 minimum opening deposit.

Certificates of Deposit*

  • The following terms are available: 6, 9, 24, 36, 48, and 60 months. $500 minimum deposit.
  • It's your choice: interest can be paid monthly, quarterly, semi-annually, annually or at maturity to the CD, or transferred to any other account you choose.
  • Certificates can be set up for automatic renewal for your convenience.
  • Penalty may be applied for early withdrawal.

*All interest is compounded quarterly.

Add-On CD

  • 12-month term; $100 minimum deposit; interest paid quarterly.
  • Earn more on your extra cash by making deposits as you like.
  • Option of a one-time withdrawal with no penalty.

Individual Retirement Accounts*

Traditional IRA

  • Your contributions to this retirement plan are tax deductible from your current year's income.
  • See a First Choice specialist about your various IRA options, including details, requirements and yearly contribution limits.

Roth IRA

  • Let your savings grow tax-free. As you take money out during retirement, you'll pay no taxes on all the interest you've earned over the years. A very smart plan.

Education IRA

  • College costs are on the rise. Make it easier to pay for your child's future college education with all the tax-free interest you'll earn in this account.

*Consult your tax advisor to assist you in selecting the IRA that best fits your needs and for eligibility.

Loans

Home Mortgages

  • Get smart advice about money-saving mortgage options that make sense for your family, now and down the line. Ask about today's low rates.
  • Mortgage Services

Mortgage Refinancing

  • A lower interest rate can mean lower payments, a shorter term, or available cash for home improvements.
  • Mortgage Services

Construction Loans

  • Planning to build? Your contractor will be paid as construction progresses.

First Choice Personal Loans

  • Get the cash you need for that new kitchen, a college education, or debt consolidation.

Automobile Loans

  • At First Choice, you'll find competitive rates and terms you can live with.

Home Equity Line of Credit

  • What if you could write your own loans, just by writing a check? A revolving credit line makes sense especially for growing families.

Personal Line of Credit

  • For the ultimate in financial convenience, use the cash for whatever needs come up.

Online Banking and Bill Pay

Online Banking

  • Bank in your home or at the office 24/7 via the Internet-free of charge.
  • View and download account information, including statements from prior months.
  • Transfer funds between accounts.
  • Request stop payments.

Online Bill Pay

  • Save time, envelopes and stamps.
  • Use it for free; no monthly fee on per bill charges.
  • Set up recurring payments automatically.
  • Feel confident that your money and information are safe and secure.
  • Register online to get started.

Safe Deposit Boxes

First Choice Community Bank offers a wide range of safe deposit box sizes. For a low annual rental fee, customers can store keepsakes, collectibles, and important documents without the worry of possible theft or destruction. Contact a bank representative for availability of boxes and sizes.

Safe Deposit Box - Annual Fee
(Not FDIC Insured)
3X5 $30.00
5X5 $50.00
3X10 $55.00
5X10 $65.00
10X10 $95.00

Telephone Banking

  • All account holders at First Choice Community Bank can access their account information 24 hours a day by phone at 770-599-0402.
  • Listen to all your account transactions, inquire about your direct deposit, transfer funds between accounts and even get our current interest rates.

Debit and ATM Cards

  • With a First Choice Check Card, you can make purchases anywhere MasterCard is honored and the money is automatically deducted from your checking account. Looks like a credit card, and works like a check. There's no annual fee or per item charge.

Direct Deposit

  • For quicker access to your account balances and to keep your funds safe and secure, let First Choice set up your payroll or government check for direct deposit. It will save you trips to the bank and make your life easier.

Debit and ATM Cards

  • For quicker access to your account balances and to keep your funds safe and secure, let First Choice set up your payroll or government check for direct deposit. It will save you trips to the bank and make your life easier.

Night Deposit

  • After hours, just drop your deposit in the night depository. It will be processed the next business day and you will be mailed a receipt promptly.

Other Services and Fees

First Choice Community Bank offers additional banking services which include American Express Travelers Checks and Gift Checks, Cashier’s Checks, American Express Money Orders, Notary Services, Bank – By – Mail, order U S Savings Bonds (EE & I), Fax Services, and Ready Reserve Overdraft Protection.

Contact a Bank Representative for more information on these services.

Other Services and Account Fees
Account Activity Printout $1.00
Account Research (per hour) $15.00
Cashier's Check $5.00
Chargeback Fee on Returned Deposited Items $5.00
Collection Items (incoming and outgoing) $20.00
Copies (per page) $0.25
Dormant Account Fee (per month) $5.00
Fax Services (incoming & outgoing, per page) $2.00
Garnishments $50.00
Insufficient Funds Charge Per Item (Fee is imposed for overdrafts created by checks, in-person withdrawals, or by other electronic means.) $32.00
MasterCard Gift Card $3.00
Money Order $4.00
Online Banking Free
Online Bill Pay - Personal Accounts Free
Online Bill Pay - Commercial (per month) 25 Free then $0.60 per bill
Authorized Overdraft Charge Per Item (Fee is imposed for overdrafts created by checks, in-person withdrawals, or by other electronic means.) $32.00
Overdraft Protection Transfer (per transfer) $3.00
Statement Balancing (per hour) $15.00
Stop Payment Charge (per item) $32.00
Traveler's Checks (per $100) $1.00
Traveler's Checks for Two (per $100) $2.50
Traveler's Gift Checks $2.50
Wire Transfers - Domestic (incoming & outgoing) $20.00
Wire Transfers - Foreign (incoming & outgoing) $35.00