Business Banking


As a locally owned and operated business ourselves—we understand the needs of a locally owned and operated business.

Our commitment to helping our local economy grow and prosper is as much a priority today, as it was back in 1899 when we opened our bank here in Columbia County. While much has changed over the years, our business customers continue to receive personalized, face-to-face service.  Be assured, you will always know where to turn for service and support.


Business Checking & Savings

We offer checking, savings and investment accounts designed specifically for the cash management and investment needs of business owners. When combined with our Business Solutions technologies, managing your businesses finances becomes simplified and streamlined.1


Business Services

Our Business Solutions team offers responsive local service, coupled with the latest cash management technologies to help you run your business more efficiently.


Commercial Loans

Look to First Columbia Bank for the capital you need to build and grow your business. Our team of commercial lenders has in-depth knowledge of our local economy and a solid understanding of financing options available for businesses and municipalities.


Financial Planning

Our team of experienced advisors will help create a complete financial plan to help you achieve both your business and personal goals. From investment strategies, to retirement planning, to helping you find the right employee benefits and insurance protections, our financial team stands ready to help you succeed. Click here for Financial Services.

The Bank Secrecy Act was originally enacted in 1970 to track the flow of funds into and out of the United States and through its financial system. Since then, several Acts have been passed to further that cause. In 2001, with the passage of the USA Patriot Act, an even larger responsibility was placed on financial institutions to assist in monitoring the money trail and to aid law enforcement. On July 11, 2016, FinCEN passed into law new rules for legal business entities under the Bank Secrecy Act. With the mandatory compliance date of these new rules rapidly approaching, beginning March 31, 2018, First Columbia Bank & Trust Co. will begin to collect the additional information and supporting documentation as outlined in the regulation. Each time an account is opened for, or changes are made to the existing account of, a legal business entity, we are required to ask for identifying information (name, physical street address, date of birth, social security number, and identification documents) for:
-?Each individual that has beneficial ownership (25% or more) in the legal business entity; and
-?One individual that has significant responsibility to control, manage, or direct the legal business entity.
If you are opening an account for, or making changes to the existing account of, a legal business entity, we are required to ask and you will need to provide the appropriate documentation. You will need to certify that this information is true and accurate to the best of your knowledge.We appreciate your willingness to work with us as we implement this new Beneficial Ownership regulation.