Effective March 1st 2012 the qualifying rate will be reduced to 1.51% APY*
First Community's FREE checking account with high interest rate.
If requirements are met each qualifying cycle, you will receive:

2.51% APY* paid on balances up to $25,000
0.25% APY* paid on balances above $25,000
ATM fee refunds up to $25 per "qualifying cycle"

Also:

No monthly maintenance fee
No minimum balance requirement
FREE EXPRESS Check Card
Free Traveler's Cheques and Cashier's Checks
First 50 checks are free
Free Visa Gift Cards

Plus, with all First Community checking accounts, you get free online bill pay, eStatements and 24/7 Internet account access. Accounts also include unlimited check writing privileges, discounts on consumer loans and mortgage closing costs and overdraft options.

Requirements:

Effective March 1st 2012 the posted and cleared debit card point of sale transactions** per “qualification cycle” will be increased to 25.

Minimum to open $50
Must have 12 posted and cleared debit card point of sale transactions** per "qualification cycle"
All debit transactions must be posted to the account on or before the last qualifying day of the cycle period
Must maintain a valid email address with First Community Credit Union
Must enroll and receive eStatements
Must have one direct deposit or one ACH debit/credit post to the account per "qualifying cycle"
0.25% APY rate will be paid on all balances if requirements are not met during the "qualifying cycle"

*Annual Percentage Yield

**All debit card transactions must be posted to the account on or before the last day of the qualifying cycle. For Example: If you make a purchase with your debit card on the last day of the qualifying cycle that transaction may NOT post on that day. Debit card point of sale transactions are posted to your account when the merchant sends the settlement information to us. First Community has NO control over when the merchant posts the debit transaction. Transactions posted to the account after the end of the current qualifying cycle will count toward the next qualifying cycle.

“Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. For purposes of the qualification cycle, Sundays and Federal Holidays are not considered a business day. If you have met your eligibility requirements for the qualification cycle, we will refund domestic ATM Fees up to $25.00 per statement cycle. If you close your account before the end of the qualification cycle, you will forfeit any ATM fee refunds. To view the First Rate Checking qualification cycles click here. Note: Statement and Dividend cycles are monthly.

Click here for terms and conditions.

It's easy to open a First Community checking account! Just call us at 800.767.8880 or stop by any branch.