First Bank of Charleston

Consumer Accounts

First Bank of Charleston offers uncomplicated personal banking deposit accounts such as checking, savings, certificates of deposit, and IRA's. The following is a brief description of each. A personal visit will provide more detail and your first view of how we are "shaking up service" to your advantage in the Charleston banking market.

First Free Checking

Opening deposit of $100

No required minimum balance

Unlimited check writing

No monthly service charge

FREE Debit Card (MasterCard)

FREE Check Images

ACH suggested

First Now Checking

If you maintain a minimum balance of $500 or more, want to gain interest, choose this account. If the balance falls below $500, you pay only $7.00.

Opening deposit of $100

$7.00 Service Charge if daily minimum balance is less than $500

Interest paid monthly on daily collected balances of $500 or more

Unlimited check writing

FREE Debit Card (MasterCard)

FREE Checking Images

FREE Cashier Checks

First Now Plus Checking

Balance charges occasionally and you want to gain as much interest as possible, open this account. The various balances will allow you gain the maximum interest with only a $25 service charge if the balance falls below $1,000

Opening deposit of $100

Unlimited check writing

Interest paid based on the following tiers rates

$1,000-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000 and above

$25 service charge if daily minimum balance is less than $1,000

FREE Debit Card (Visa or MasterCard)

FREE Cashier Checks

FREE Check Images

REGULAR SAVINGS

Automatically deposit regularly into your savings account for even faster growth! Combined checking and savings statement can be provided.

Opening deposit of $100

$2.00 services charge if daily balance is less that $100

Six withdrawals or transfers FREE each month. $2.00 fee for each additional withdrawal or transfer

Interest paid and credited quarterly on daily collected balance

Quarterly (monthly with EFT activity) statement provided

CERTIFICATES OF DEPOSITS OR IRA'S

Investing can provide peace of mind because of the insured security and steady increase in funds.

Any savings or Certificate of Deposit can be IRA accounts

A variety of terms are available

$500 minimum balance is required for opening

Terms:

3 month

6 month

7 month

18 month

30 month

1,2,3,4,5 years

Specials

Interest paid quarterly

Compounded quarterly

Early withdrawals are subject to penalties

ALL NON-PROFIT AND MINOR ACCOUNT FEES WILL BE WAIVED

OVERDRAFT PROTECTION

Be safe, don't flirt with overdrawn accounts fees, maintain a savings account and attach to your checking account for those times when something just went wrong.

Tied to savings

$2.00 fee per transfer

Minimum transfer of $250

Offered on First NOW and First NOW Plus

Mortgage Loans/Home Equity - Lines of Credit
Contact us today or visit our office for more information.
304-340-3000
304-340-3003 fax

304-340-3030 First Response
Banking Balances and Transfers by Telephone
Important Information On Opening New Accounts

To help the government to fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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