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Checking I

Like the city of St. Louis, this basic checking account is anything but ordinary. In fact, it's designed to be as unique as our members and as solid as The Arch. And it comes with lots of convenience services, including mobile banking.

Because we care about our members, we want to help you keep more money in your pocket. So we don't have monthly service fees or a minimum balance, and added extra freebies and loan discounts. Everything you want, and nothing that you don't!

A guide on how to manage your checking account can be found here.

A worksheet to help you manage your spending to achieve your financial goals can be found at: www.consumerfinance.gov/about-us/blog/managing-your-spending-achieve-your-goals/


ABA Routing # 281081877

Checking I
Summary


Overdraft Privilege Info

You are responsible for assuring your available balance of funds meets all your payment and withdrawal needs. Check your account balances periodically by calling us, visiting an ATM, sign up for text alerts, view your accounts online or with mobile banking.


We have standard overdraft practices called Overdraft Privilege* that you may elect to add to your checking account. First Community's Overdraft Privilege service adds a measure of protection to your checking account, so you may avoid the hassle and expense of a returned non-sufficient funds item or a declined transaction due to insufficient funds. The service may pay checks and other transactions made using your checking account number, including ACH items that would not have cleared otherwise due to insufficient funds, up to an approved amount. Additionally, you may elect to extend the service to your ATM and everyday debit card transactions. You will be charged a paid insufficient funds service charge for accessing Overdraft Privilege. If your account(s) are in good standing, you may become eligible for this service after your checking account has been open for at least 60 days.


We have an overdraft protection service that draws funds from a share/savings account and we also offer an overdraft protection line-of-credit,** which may be less expensive than our standard overdraft practices that you may choose.


What you need to know about overdrafts and overdraft fees.

*Overdraft Privilege (ODP) service charge is $27.50 per item paid. This is the same service charge as our insufficient funds fee. If three items are presented for payment in amounts of: $40.00, $150.00, and $150.00 and your account has available funds in an overdraft protection line-of-credit loan, you would pay $3.74 in interest if paid off in thirty days. In comparison, if you opt-in to ODP and ODP is used to pay the same three items, the account would be assessed a service charge of $27.50 per item for a total cost to you of $82.50 in service charges. The full amount of the overdraft balance plus related service charges will be due immediately but in no event later than 30 days from the date of occurrence. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We generally will not pay an overdraft because you have exceeded the overdraft limit or have an outstanding balance that has not been repaid.Please refer to your account disclosure for information on this discretionary overdraft service.

**Overdraft protection line-of-credit loan is 12.95% APR as of 2/15/2018.