Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all Allpoint ATM locations.
Yes
Non-affiliated ATM Usage Fee
There is a $1.50 fee when you use ATMs that don't belong to First Community CU.This fee is reimbursed if this account satisfies the requirements to receive the bonus rate.
$1.50/per use
International ATM Usage Fee
There is a $1.50 fee when you use ATMs that don't belong to First Community CU. In addition, there is a fee calculated as 1% of the total amount withdrawn. The $1.50 fee is reimbursed if this account satisfies the requirements to receive the bonus rate.
$1.50/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, receive alerts;- A mobile-browser website to view account balances, transfer funds, pay bills;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$4.00/month
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Initial Returned Item Fee
You will be charged $10.00 for your first overdraft, $28.00 for your 2nd-4th overdrafts, and $35.00 for every additional overdraft within a 12 month period.
$28.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a Line of Credit:- $3.00 transfer fee. Charged per transaction;- Funds are transferred to a zero balance.From a Savings Account:- $3.00 transfer fee. Charged per transaction;- Funds are transferred to a zero balance.
Available
About First Community Credit Union
First Community Credit Union is a cooperative, owned and operated by its members. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.