[Skip to content]

ONLINE BANKING

Go Button

Enroll
Demo
Learn More

Log In to Other Services



BaZing web button

Deluxe check order

Live chat by SightMax



Overdraft Privilege/Protection

Feel safe knowing you won't get caught off guard again — Overdraft Coverage Options.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at First Community Bank for a fee.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.


Service

Cost

Overdraft Protection – Link to Another Deposit Account you have at First Community Bank1

$5.00 fee per transfer

Overdraft Protection Line of Credit1, 2

$5.00 fee per transfer + interest

Overdraft Privilege

$36.00 Overdraft Fee per item.

1Contact us at (800) 971-4671 or visit a financial center location to sign up or apply for this service.

2Subject to credit approval.


Transactions Covered with Overdraft Privilege

Standard Coverage (No Action Required)

Extended Coverage (Your Consent Required)*

Checks

X

X

ACH – Auto Debits

X

X

Recurring Debit Card Payments

X

X

Online Bill Pay Items

X

X

Online Banking Transfers

X

X

Telephone Banking

X

X

Teller Window Transactions

X

X

ATM Withdrawals

 

X*

Everyday Debit Card Transactions

 

X*

If you would like to select Extended Coverage for future transactions:

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.  Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at (800) 971-4671 or sending us an e-mail at theresource@fcbinc.com.
 

What Else You Should Know