Personal Checking Accounts

Checking designed for you

Our goal is to give you access to the accounts that align with your lifestyle, financial needs, and future goals. See which account option fits you best. To open a new checking account with First Columbia Bank, visit one of our 13 locations in Columbia, Montour, and Northumberland counties. We’ll be with you every step of the way in your financial journey! 


Start Your Personal Banking Journey!

Contact us today to open an account. A member of our banking team will reach out to you to schedule an appointment at one of our locations.

Checking Account Guide



Freedom Checking

BaZing Checking
BaZing Premium Checking
High Yield Account1

Money Market Account1

 A low cost account with convenient banking servicesEnjoy exclusive discounts and benefits  Earn interest and enjoy exclusive discounts and benefits An interest-bearing  account with balanced-based rates Competitive interest rates  with convenient access
 Learn MoreLearn MoreLearn MoreLearn MoreLearn More
Account Opening Minimum$0$0
Minimum Daily Balance
Maintenance Fee & Waiver Options $7/month2(fee waived if $100 minimum balance is maintained)$6/month2 for benefits that can pay themselves

 $8/month2 (fee waived if $1,500 minimum balance is maintained)

$0 $10/month2 (fee waived if $1,000 minimum balance is maintained)
Interest Bearing 



Earn competitive interest (And a higher premium
interest rate with a balance of $1,500 or more) 

Maintain an average daily balance of $25,000 or more to earn interest

FREE Personalized Checks
FREE first book

FREE first book


FREE first book

FREE first book
FREE Debit/ATM Mastercard3


FREE ATM Transactions at over 55,000 ATMs4

Overdraft Protection

Free Treasurer's Checks and Money Orders      
FREE Online & Mobile Banking5    
Shopping/Dining Discounts  
 Protection Services including cell phone insurance, roadside assistance and more 6       
1Certain debit transactions are limited to six (6) per month. 2The monthly fee is imposed on the last day of your statement cycle. 3Overdraft/returned item fees may apply. See fee schedule for details. 4Customers of FCBT will not incur surcharge or foreign ATM fees at Allpoint, Sheetz or FCBT ATMs. Overdraft/Returned item fees may apply. 5Third party internet/data fees may apply. 6Subject to terms and conditions detailed in the BaZing Reference Guide to Benefits.

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