Community Preferred Checking Accounts

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  • Shopping and entertainment discounts
  • Cell phone protection
  • Roadside assistance
Manage your money from anywhere with our mobile app.
Manage your money from anywhere with our mobile app.

A perk-filled account that's packed with value.

Each of our checking options delivers a full range of money management services. But this one goes a giant step further by providing a wealth of other financial benefits. From insurance coverage and roadside assistance to shopping discounts and ID theft resolution services, First Community Bank is pleased to help you save money and enjoy added peace of mind.

  • Low monthly fee of $6.95
  • No minimum opening deposit
  • Preferred Perks Benefits details below
  • No minimum monthly balance requirements or per-item charges
  • Free first order of specialty gray wallet checks
  • Free Visa debit card for fast, easy purchases online and in stores
  • Free Online Banking and Bill Pay
  • Free Xpress by FCB Mobile Banking and mobile check deposit
  • Free eStatements**
  • Direct Deposit available

First Community Bank's personal checking accounts make money management simple. Take advantage of our trusted service across West Virginia, Tennessee, North Carolina, and Virginia.

Preferred Perks Benefits

We believe that you will find your Community Preferred Checking benefits innovative, valuable, and – most of all – easy to use. To access benefits, go to the Preferred Perks website or download the Preferred Perks App in the Apple or Google Play Stores.

Cell Phone Protection
  • If your cell phone is damaged or stolen, you'll be eligible for reimbursement up to $600 per claim. 
  • There's a limit of two claims per 12-month period.
  • You must charge your monthly cellular wireless telephone bills to your eligible account. 
  • Coverage is subject to $50 co-pay.
  • Lease and pay-as you go plans are excluded.
$10,000 Accidental Death and Dismemberment Insurance
  • AD&D insurance provides financial benefits if the insured dies or is seriously injured in an accident.
  • It covers accidental death, loss of limbs, eyesight, hearing, or speech, and may also cover other severe injuries.
  • See your enrollment card to determine your coverage amount. Coverage is split equally between authorized signers. 
  • Coverage underwritten by ACE American Insurance Company.
Cyberscout® Identity Theft Resolution*
  • If you become a victim of identity theft, call 1-866-602-2056 and provide member ID# IDT12006.
  • You will be assigned to a qualified fraud specialist who can help you resolve your problem from start to finish.
  • For valuable news and resources to help you stand up against identity theft, go to www.preferredperks.firstcommunitybank.com.
Shopping, Travel, and Entertainment Discounts
  • Save on hundreds of products for your home, pet and lifestyle needs.
  • Find great deals while you shop in stores, restaurants or online and receive coupons and shipping offers.
  • Log into www.preferredperks.firstcommunitybank.com and click on the link to access the features of this service.
Roadside Assistance*
  • The Nation Safe Drivers Auto Club provides the best service and protection available anywhere. 
  • 24/7 coverage includes towing up to 15 miles, roadside assistance, delivery of supplies, tire service, battery service, and lockout service. Additional charges may apply for delivery of supplies or towing over 15 miles.
  • This benefit covers one person per account on an individual account and the account holder and spouse on a joint account.
  • Maximum of three claims per member per year.
Manage Overdrafts with confidence
Enjoy peace of mind when you enroll in our overdraft protection program, Overdraft Privilege.

Overdraft Privilege is available only on eligible accounts and subject to enrollment.
More Checking Options

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Helpful Resources

How to Create a Simple Budget

Learn how to put together a budget you can stick to each month.

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Run the Numbers on Your Budget

Use our Home Budget Calculator to add up expenses and build your budget.

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Manage your accounts 24/7 with our handy mobile app.

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