and you could both earn a FREE Gift!

Find a location near you
Stop by any of our convenient full service locations to open your account today!

Ready to Make the Switch?

Need a Business Account?
We can help! 


Personal Checking

Every new checking account includes:

Plus, we'll Buy Back your unused checks and debit cards from your current account at another financial institution and give you $10!

Choose an Account that Works for You

Free & Easy Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • FREE first box of personalized checks

Direct Interest Checking

Earn interest with the convenience of Direct Deposit or any Automatic Payment!

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • FREE first box of personalized checks

50+ Interest Checking

A perfect account for customers 50 and over!

  • FREE personalized checks for the life of the account
  • Competitive interest
  • No monthly service charge
  • No minimum balance

Premium Interest Checking

An account for those interested in higher interest!

  • FREE personalized checks for the life of the account
  • FREE custom photo debit card
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly service charge if minimum balance falls below $1,500

Minimum opening deposit is only $50. Overdraft/returned item fees may apply. See fee schedule for details. Free gift provided at the time of account opening. 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.
* Third party internet/data/message fees may apply.

Additional Checking Account Information

  •  Bank Routing Number: 031305936
  •  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.

  1. 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.
  2. Email Alerts allow you to receive an email alert when there is a low balance on your account.
  3. 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, an authorization form is required.
    • We also offer overdraft protection plans, such as a transfer from a checking or savings account* ($5 fee per transfer)**
    • 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 require you to pay your outstanding overdraft (negative) balance including our fees, immediately or on demand. 

Learn more about FDIC insurance coverage.