Attention Benton Customers

Our Benton branch is open. The lobby, drive-thru, and ATM are all accessible. We thank you for your patience. All of our other branches are operating on normal schedules.


Personal Checking

First Columbia offers a selection of checking accounts designed to meet your needs—with 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.

Free & Easy Checking

With a First Columbia Bank Free & Easy Checking Account, you'll enjoy these free and convenient features:

Choose an Account that Works for You

Click here to view all our checking account choices

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 levels4
Click here for current rates
An interest-bearing account with  competitive interest rates4
Click here for current rates
No monthly fee with a minimum balance   3
No monthly fee or minimum balance required       
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 (40)
Free  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.

Account subject to same transaction limits as savings accounts.





Additional Customer Benefits & Services

First Link logo   ATM Debit Card Services

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. Our step-by-step transition guide will help get you started.



Additional Account Information 


» Bank Routing Number: 031305936

» Click here for Statement Reconciliation Worksheet

» 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 ( and Telephone Banking (570.387.4602 or 800.454.6504) allows you to access your account 24/7 and helps you keep track of your account balances.

- Email Alerts 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 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.**

*Transfers made from savings and money market accounts are limited to six per statement cycle per federal regulations.**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 required you to pay your outstanding overdraft (negative) balance including our fees, immediately or on demand. 

Learn more about FDIC insurance coverage.

1 Overdraft and returned item fees may apply.
2 Internet Service Provider fees may apply.
Standard phone and data rates may apply.