Customer Notice

Online banking will be unavailable from 9:00 PM on Saturday, April 26th to approximately 5:00 AM on Sunday, April 27th for required system maintenance.

Personal Checking

First Columbia offers a selection of checking accounts designed to meet your needsówith important benefits and services that make banking with us simple and convenient.  Stop by any one of our community banking offices to open an account. Click here to find the nearest office.

Click here to compare checking accounts

Features &
A FREE checking account with no minimum balance An interest-bearing checking account with a low minimum balance requirement An interest-bearing checking account, designed for customers with multiple accounts An interest-bearing checking account with rates based on account balance levels
Click here for current rates
An interest-bearing account with  competitive interest rates
Click here for current rates
No monthly fee with a minimum balance   3
No monthly fee or minimum balance required   4    4
Monthly fall-below fee $7 $15 3 $10
Minimum balance to avoid fee $100 $25,000 in
$125,000 loan
$25,0003 $1,000
Interest-bearing 1 2
Free first order of checks (150) 5 5
Free FirstCheck ATM/Debit Card
Free Online Banking & Free Bill Payment service


1 Interest is earned on collected balance and increases at the higher balance, when applicable.

2 First Choice checking earns interest when balance is above $500.

3 High Yield account converts to a Money Market account if balance falls below $25,000.

4 $10 fee per check written in excess of 6 per month.

5 Free first order of 40 checks. 



Debit Card Services





Access services and technology that make banking with us easier and more convenient than ever.


Features and benefits of your debit card deliver convenience, security, and more ways to save.


To your community bank. Switching is easy ó and free.



Additional Account Information 


» Bank Routing Number: 031305936

» Click here for Statement Reconciliation Worksheet

» Overdraft Protection

Overdraft protections provide a "safety net" to help cover an unexpected expense or an accidental overdraft. First Columbia Bank offers monitoring services to help you avoid overdraft fees:

- Online, Mobile and Telephone banking gives you 24/7 access to your accounts, so you can keep track of your account balances and make transfers any time and from anywhere.

- Email Alerts (Q-Cards) allow you to receive an email alert when there is a low balance on your account.

Should you accidentally overdraw your account, we offer a number of overdraft plans:

  1. Most checking accounts include a Courtesy Overdraft Privilege for checks, ACHs (Automated Clearing House) and bill pay items. If you would like overdraft protection extended to ATM or everyday debit card transactions, an authorization form is required.
  2. We also offer overdraft protection plans, such as a transfer from a checking or savings account* ($5 fee per transfer)
  3. Keycash line of credit (upon credit approval) can give you  access to cash when the need arises.

Courtesy Overdraft Privilege Disclosure

The Courtesy Overdraft Program is not a contract or obligation of the bank to pay overdrafts created by withdrawals made by check, in-person, ATM, or other electronic means when insufficient funds exist in an account, but rather a customer service which allows customers to overdraw an account. This service remains discretionary. Any items presented that overdraw the account may be returned unpaid with the applicable non-sufficient fund fee of $30 charged to the account for each item. The amount of any overdrafts, including our fees that you owe us, shall be due and payable immediately.

*Transfers made from savings and money market accounts are limited to six per statement cycle per federal regulations.