Personal Checking
Every new checking account1 includes:
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Plus, we'll Buy Back your unused checks and debit cards from your current account at another financial institution and give you up to $10!4 |
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Choose an Account that Works for You
Free & Easy Checking
A FREE account for everyone!
- No minimum balance
- No monthly service charge
- FREE first book of personalized checks
Direct Interest Checking
Earn interest with the convenience of Direct Deposit or any Automatic Payment!
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50+ Interest Checking
A perfect account for customers 50 and over!
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Premium Interest Checking
An account for those interested in higher interest!
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1 Minimum opening deposit is only $50. Overdraft/returned item fees may apply. See fee schedule for details.
2 Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value.
3 Third party internet/data/message fees may apply.
4 Customer will receive $5 for unsused checks and $5 for debit cards from another financial institution, up to $10, at the time the checks/debit cards are presented.
More Interest Earning Options
Money Market Account |
High Yield Account |
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An interest-bearing account with competitive
For current rates: |
An interest-bearing checking account with rates based on account balance levels.5,6
For current rates: |
5 Account subject to same transaction limits as savings accounts.
6 No interest accrues if balance falls below $25,000.
Additional Checking Account Information
- Overdraft Protection
Overdraft protections can provide a safety net to help cover an unexpected expense or an accidental overdraft due to an oversight in recordkeeping. First Columbia Bank & Trust Co. offers a number of ways to monitor your account to avoid overdraft fees.
- Online Banking (www.firstcolumbiabank.com) and Telephone Banking (570.387.4602 or 800.454.6504) allow you to access your account 24/7 and help you keep track of your account balances.
- Alerts allow you to receive an email or text alert when there is a low balance on your account.
- Should you accidentally overdraw your account, we offer a number of overdraft plans:
- Most checking accounts include a 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, authorization is required.
- We also offer overdraft protection plans, such as a transfer from a checking or savings account7 ($5 fee per transfer)8
- Keycash Line of Credit (upon credit approval) can give you access to cash when the need arises.8
7Transfers made from savings and money market accounts are limited to six per statement cycle per federal regulations.
8 Options 2 & 3 may be less expensive than Overdraft Privilege.
Overdraft Privilege Disclosure – The 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 $35 charged to the account for each item. This coverage is optional. You may terminate coverage at any time. Whether your overdrafts will be paid or not is at our sole discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or if you have too many overdrafts. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid an overdraft for you. We reserve the right to require you to pay your outstanding overdraft (negative) balance including our fees, immediately or on demand.
Learn more about FDIC insurance coverage.
