First State Community Bank offers customers a variety of checking and savings plans designed to meet your particular needs. From the youngster saving money for college to the business owner's day-to-day concerns, FSCB has an account that will serve your needs well. Below is a brief listing and explanation of our various accounts. For more information contact First State Community Bank and let one of our customer service representatives help you. (Fees and monthly service charges apply to some of the following accounts.)

Demand Deposit Accounts - Personal

Free Checking Accounts are really, truly free from monthly service charges and minimum balance requirements. Your monthly statement clearly lists all transactions during that month.

Regular Checking Accounts allow unlimited check writing and only charge a monthly service fee if you fall below the minimum balance.

Premier and Premier Plus Checking Accounts include a number of benefits including accidental death and dismemberment insurance, a drug discount card, a box of free checks per calendar year and numerous free or discounted bank services.

Super NOW Accounts are interest-bearing accounts with unlimited check writing.

Money Market Accounts are interest-bearing accounts with six withdrawals allowed per monthly statement cycle, three of which can be written to a third party. Interest earned is higher than any other demand deposit account, and check images are returned with your monthly statement. Account Details

Horizons Club Checking Account is an interest-bearing account for members of the Horizons Club. Horizons Club members receive numerous bank benefits including free Horizons Club checks, safe deposit box discounts, travel opportunities, day trips and in-town activities. Click on Horizons Club for more information.

Conservator Checking allows unlimited check writing and no monthly service fee if the low required daily balance is maintained.

Not-for-profit Checking Accounts allow unlimited check writing with no monthly fee.

New Opportunity Checking
If you have experienced financial trouble in the past, or even had trouble opening a checking account, New Opportunity Checking may be right for you. Account Details

Business Checking Accounts

Commercial Checking Accounts have monthly service charges determined by account analysis.

Small Business Accounts have a minimal maintenance fee if transactions stay within the allowable number of items.

Savings Accounts

Savings Account Details

Statement Savings Accounts are interest-bearing accounts and the funds are easily accessible.

Junior Savers (+) Club Accounts are interest-bearing accounts with no minimum balance requirement available to members of the Junior Savers Club (for ages 6-11) and Junior Savers + Club (ages 12-16). Free activities and newsletters. (Not available at all FSCB locations.)

Minor Statement Savings Accounts are interest-bearing accounts with no minimum balance requirement and no service charges for kids 17-years-old and younger.

Not-for-Profit Savings Accounts are interest-bearing accounts with no minimum balance requirement and no service charges.

Christmas Club Accounts are interest-bearing accounts with automatic funds transfers to encourage regular savings. They may be opened with a minimum of $5.

Certificates of Deposit

Individual Retirement Accounts

Health Savings Accounts

Account Details

Health Savings Accounts (HSAs) were designed to give individuals tax advantages to offset healthcare costs.

Calculate your FDIC insurance with the Electronic Deposit Insurance Estimator (EDIE).