We believe in facing fear with facts.

Unfortunately, even as our world fights COVID-19, fraudsters are finding ways to take advantage of fears related to the virus. Therefore, American Bankers Association, First Community Bank and Peopleโ€™s Community Bank encourage you to learn more about the most common scams associated with the pandemic and ways you can protect yourself, your family and your financial resources through this difficult time.
Some common scams include:

  • ๐—ฃ๐—ต๐—ถ๐˜€๐—ต๐—ถ๐—ป๐—ด ๐—ฎ๐—ป๐—ฑ ๐˜€๐˜‚๐—ฝ๐—ฝ๐—น๐˜† ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€. Scammers impersonate health organizations and businesses to gather personal and financial information or sell fake test kits, supplies, vaccines or cures for COVID-19.
  • ๐—ฆ๐˜๐—ถ๐—บ๐˜‚๐—น๐˜‚๐˜€ ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ ๐—ผ๐—ฟ ๐—ฒ๐—ฐ๐—ผ๐—ป๐—ผ๐—บ๐—ถ๐—ฐ ๐—ฟ๐—ฒ๐—น๐—ถ๐—ฒ๐—ณ ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€. You may be entitled to receive government funds to help ease the economic impact of the virus via check or direct deposit. However, the government will NOT ask for a fee in order for you to receive the funds, nor will you need to provide an outside entity with your personal or account information.
  • ๐—–๐—ต๐—ฎ๐—ฟ๐—ถ๐˜๐˜† ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€. Fraudsters seek donations for illegitimate or non-existent organizations.
  • ๐——๐—ฒ๐—น๐—ถ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ผ๐—ณ ๐—บ๐—ฎ๐—น๐˜„๐—ฎ๐—ฟ๐—ฒ through โ€œvirus-tracking appsโ€ or sensationalized news reports.
  • ๐—ฃ๐—ฟ๐—ผ๐˜ƒ๐—ถ๐—ฑ๐—ฒ๐—ฟ ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€. Scammers impersonate doctors and hospital staff and contact victim claiming to have treated a relative or friend for COVID-19 and demand payment for treatment.
  • ๐—•๐—ฎ๐—ป๐—ธ/๐—™๐——๐—œ๐—– ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€: Scammers impersonate FDIC or bank employees and falsely claim that banks are limiting access to deposits or that there are security issues with bank deposits.
  • ๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—บ๐—ฒ๐—ป๐˜ ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€ often styled as โ€œresearch reports,โ€ claiming that products or services of publicly traded companies can prevent, detect, or cure COVID-19.

๐Ÿญ๐Ÿฌ ๐—ง๐—ผ๐—ฝ ๐—”๐—•๐—” ๐˜๐—ถ๐—ฝ๐˜€ ๐˜๐—ผ ๐—ฎ๐˜ƒ๐—ผ๐—ถ๐—ฑ ๐—ฏ๐—ฒ๐—ฐ๐—ผ๐—บ๐—ถ๐—ป๐—ด ๐—ฎ ๐˜€๐—ฐ๐—ฎ๐—บ ๐˜ƒ๐—ถ๐—ฐ๐˜๐—ถ๐—บ

๐Ÿญ. ๐—ช๐—ฎ๐˜๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ณ๐—ผ๐—ฟ ๐—ฝ๐—ต๐—ถ๐˜€๐—ต๐—ถ๐—ป๐—ด ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€. Phishing scams use fraudulent emails, texts, phone calls and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with, and NEVER give your password, account number or Personal Identification Number [PIN] to anyone.

๐Ÿฎ. ๐—œ๐—ด๐—ป๐—ผ๐—ฟ๐—ฒ ๐—ผ๐—ณ๐—ณ๐—ฒ๐—ฟ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—–๐—ข๐—ฉ๐—œ๐——-๐Ÿญ๐Ÿต ๐˜ƒ๐—ฎ๐—ฐ๐—ฐ๐—ถ๐—ป๐—ฒ, ๐—ฐ๐˜‚๐—ฟ๐—ฒ ๐—ผ๐—ฟ ๐˜๐—ฟ๐—ฒ๐—ฎ๐˜๐—บ๐—ฒ๐—ป๐˜. If there is a medical breakthrough, it wouldnโ€™t be reported through unsolicited emails or online ads.

๐Ÿฏ. ๐—ฅ๐—ฒ๐—น๐˜† ๐—ผ๐—ป ๐—ผ๐—ณ๐—ณ๐—ถ๐—ฐ๐—ถ๐—ฎ๐—น ๐˜€๐—ผ๐˜‚๐—ฟ๐—ฐ๐—ฒ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐˜€๐˜ ๐˜‚๐—ฝ-๐˜๐—ผ-๐—ฑ๐—ฎ๐˜๐—ฒ ๐—ถ๐—ป๐—ณ๐—ผ๐—ฟ๐—บ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ผ๐—ป ๐—–๐—ข๐—ฉ๐—œ๐——-๐Ÿญ๐Ÿต. Visit the Centers for Disease Control and Prevention, World Health Organization and your stateโ€™s health department websites to keep track of the latest developments.

๐Ÿฐ. ๐—ฅ๐—ฒ๐—บ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฒ ๐˜€๐—ฎ๐—ณ๐—ฒ๐˜€๐˜ ๐—ฝ๐—น๐—ฎ๐—ฐ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ถ๐˜€ ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฎ๐—ป๐—ธ. Itโ€™s physically secure, and itโ€™s federally insured. When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured by the government. You donโ€™t have the same level of protection when your money is outside the banking system.

๐Ÿฑ. ๐——๐—ผ ๐—ฎ ๐—น๐—ถ๐˜๐˜๐—น๐—ฒ ๐—ฟ๐—ฒ๐˜€๐—ฒ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐—ฏ๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—บ๐—ฎ๐—ธ๐—ถ๐—ป๐—ด ๐—ฎ ๐—ฑ๐—ผ๐—ป๐—ฎ๐˜๐—ถ๐—ผ๐—ป. Be wary of any business, charity or individual requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or through the mail.

๐Ÿฒ. ๐—ž๐—ฒ๐—ฒ๐—ฝ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ผ๐—บ๐—ฝ๐˜‚๐˜๐—ฒ๐—ฟ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—บ๐—ผ๐—ฏ๐—ถ๐—น๐—ฒ ๐—ฑ๐—ฒ๐˜ƒ๐—ถ๐—ฐ๐—ฒ๐˜€ ๐˜‚๐—ฝ ๐˜๐—ผ ๐—ฑ๐—ฎ๐˜๐—ฒ. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.

๐Ÿณ. ๐—ฅ๐—ฒ๐—ฐ๐—ผ๐—ด๐—ป๐—ถ๐˜‡๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐˜ƒ๐—ผ๐—ถ๐—ฑ ๐—ฏ๐—ผ๐—ด๐˜‚๐˜€ ๐˜„๐—ฒ๐—ฏ๐˜€๐—ถ๐˜๐—ฒ ๐—น๐—ถ๐—ป๐—ธ๐˜€. Cybercriminals embed malicious links to download malware onto devices or route users to bogus websites. Hover over suspicious links to view the actual URL that you are being routed to. Fraudulent links are often disguised by simple changes in the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.

๐Ÿด. ๐—–๐—ต๐—ฎ๐—ป๐—ด๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐—ฒ๐—ฐ๐˜‚๐—ฟ๐—ถ๐˜๐˜† ๐˜€๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด๐˜€ ๐˜๐—ผ ๐—ฒ๐—ป๐—ฎ๐—ฏ๐—น๐—ฒ ๐—บ๐˜‚๐—น๐˜๐—ถ-๐—ณ๐—ฎ๐—ฐ๐˜๐—ผ๐—ฟ ๐—ฎ๐˜‚๐˜๐—ต๐—ฒ๐—ป๐˜๐—ถ๐—ฐ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐˜€ ๐˜๐—ต๐—ฎ๐˜ ๐˜€๐˜‚๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜ ๐—ถ๐˜. Multi-factor authenticationโ€”or MFAโ€”is a second step to verify who you are, like a text with a code.

๐Ÿต. ๐—•๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐—ฎ๐—ป๐˜† ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—บ๐—ฒ๐—ป๐˜๐˜€, ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—ถ๐˜€ ๐—ฎ ๐—ต๐—ถ๐—ด๐—ต ๐—ฝ๐—ผ๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ณ๐—ผ๐—ฟ ๐—ณ๐—ฟ๐—ฎ๐˜‚๐—ฑ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ป๐—ผ๐˜„. You should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For information on how to avoid investment fraud, visit the U.S. Securities and Exchange Commission website,ย https://www.sec.gov/.

๐—›๐—ฒ๐—น๐—ฝ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ๐˜€ ๐—ฏ๐˜† ๐—ฟ๐—ฒ๐—ฝ๐—ผ๐—ฟ๐˜๐—ถ๐—ป๐—ด ๐—ฐ๐—ผ๐—ฟ๐—ผ๐—ป๐—ฎ๐˜ƒ๐—ถ๐—ฟ๐˜‚๐˜€ ๐˜€๐—ฐ๐—ฎ๐—บ๐˜€. Visit the FBI's Internet Crime Complaint Center atย www.ic3.govย to report suspected or confirmed scams. You can also stay up-to-date on the latest scams by visiting the FTCโ€™s coronavirus page atย ftc.gov/coronavirus.




Dear Friends and Customers:

Our bankers have received hundreds of calls regarding the SBA Paycheck Protection Program (PPP), requesting information about the program and procedures to apply through First Community Bank.ย  Due to the extreme amount of misinformation and confusion surrounding the program, we wanted to share with you the position FCB is taking regarding participation in the program, the challenges we face, and the procedures we have developed to assist our customers.


We understand the extremely difficult circumstances many of you are experiencing as a result of the COVID-19 pandemic and the potential benefit the PPP may provide as you attempt to maintain your employees and businesses during this turbulent time.ย  Promises made daily by elected officials, misinformation by the media, and conflicting guidance from the SBA and the U.S. Treasury have created a chaotic environment during a national crisis when our customersโ€™ concerns are running at a fever pitch.ย  Without clearer, more definitive information than was previously available, we didnโ€™t feel we could responsibly advise our customers about the benefits and consequences of obtaining a PPP loan and therefore didnโ€™t previously accept applications.ย  Fortunately, the SBA released โ€interim finalโ€ guidance at the end of last week which addressed some, but not all, previously identified issues and questions.ย  However, we are still awaiting answers from the government for some of the most fundamental questions.


We have heard your concerns and your desire to apply for PPP loans even considering all of the rules for administering the loan, including conditions for debt forgiveness, have yet to be determined and communicated by the government.ย  Thus, we will begin outbound communication with customers who previously made inquiry about PPP loans in the order in which those inquiries were received, with preference being given to customers who maintain full banking relationships with FCB.ย  As we receive new inquiries, we will prioritize application processing in a similar manner.ย  Ultimate application approval rests with the SBA, which directs banks to utilize an electronic portal for application submission.ย  As of this writing, FCB and thousands of other banks across the country are waiting to gain access to the system.ย  We are at the mercy of the SBA in this regard and cannot with any confidence tell you when FCB will receive access.ย  We will do everything within our control to get your application completed and submitted as soon as we gain access to the SBA system.


We take our responsibility to assist customers during this difficult time seriously. ย Actions we have already taken include offering loan payment modification programs to consumer and business borrowers and waiving late payment fees through June 30th.ย  We also understand that doing our utmost to help you participate in the PPP is an additional avenue to fulfill that responsibility.ย  We will continue to work hard to respond to your needs and concerns.




Dear Customers:

At First Community Bank and Peopleโ€™s Community Bank, our primary concern will always be the health and safety of our employees, customers, and communities.ย 

In light of continuing developments related to the COVID-19 pandemic, we have temporarily closed all branch lobbies, redirecting lobby customers to our drive-thru service and our other full-service alternative banking methods.ย  You may set up an appointment to speak with your banker by calling your local branch.ย 

Weโ€™re here to help.

We understand these challenging times may cause financial hardship.ย  We are here to offer assistance. To help reduce financial stress during this time, we have listed below some options available to you:ย 

Help for your Business:ย  If the COVID-19 is impacting your business, please reach out to your relationship manager.ย Click here for contact information for your local branch.ย 


Consumer and mortgage loan payment deferral program:ย  If illness, caring for a household member with the virus, or any workplace interruption related to COVID-19 impacts your ability to make loan payments, we are offering loan payment deferral options. If you have a rental property mortgage, please reach out to your banker.


Consumer Loans include: Personal, Auto, RV, ATV, Boat, Home Equity Line and Credit Card.ย Click here to download the Consumer Skip A Pay Request Form (134KB). (See below for Mortgage Form)

Consumer Loans include Personal, Auto, RV, ATV, Boat, Home Equity Line and Credit Card. Completed forms can be mailed, delivered to the drive-thru of your local branch, or uploaded below.ย 

Consumer Skip A Pay Request Form Uploadย (See below for Mortgage Form Upload)


Click here to download the Mortgage Modification Request Form (172KB).

This form is for owner occupied primary or secondary mortgages and does not include mortgages on rental property. If you have a rental property mortgage, please reach out to your banker.ย 

Completed forms can be mailed, delivered to the drive-thru of your local branch, or uploaded below.

Mortgage Modification Request Form Upload


Suspending late fees on loan payments:ย  We will be suspending late fees on loan payments for 90 days.

Note:ย  If you are a Highlands Union Bank credit card holder, you will need to request late fee refunds by calling (304) 431-2214 or email us atย HighlandsUnionCreditCardSupport@fcbinc.com.

No new repossessions:ย  Effective immediately, we are not initiating any new repossession activities related to personal property financed by First Community Bank.ย  This suspension will continue through the end of April 2020 and may be extended as we continue to monitor the pandemic.ย 

No new foreclosures:ย  Effective immediately, we are not initiating any new foreclosure activity.ย  This suspension will continue through the end of April 2020 and may be extended as we continue to monitor the pandemic.ย 

Help for your Business:ย  If the COVID-19 is impacting your business, please reach out to your relationship manager.ย Click here for contact information for your local branch.ย 

Anything else?ย  Please contact Client Care at 800-971-4671.

Try our Alternative Ways to Bank Safely during this time:

  • Online Banking
  • Mobile Banking with Mobile Deposit
  • ATMs opened 24 hours a day 7 days a week. Go to firstcommunitybank.com for locations.ย 
  • Night Drop (Donโ€™t use debit cards? - If you need to make a deposit or a loan payment, complete the necessary paper items, place in an envelope, seal the envelope and place in the Night Drop.ย  The Night Drop is usually located in the first lane of the drive-thru.)

We remain committed to working with our customers during this stressful time. ย We will continue to closely monitor the situation and evaluate the need for additional measures to support our customers, colleagues, and communities, should those needs arise. ย 




Temporary Branch Operations Changes

Beginning Saturday, March, 28, 2020, the Jonesboro Road Branch located at 164 Old Jonesboro Road in Abingdon, Virginia, will not be open on Saturdays, until further notice. Please visit our Maringo Rd. Branch at 24412 Maringo Road in Abingdon, Virginia or our Bristol Commonwealth Branch at 821 Commonwealth Ave in Bristol, VA for Saturday Drive-Thru Service.

On Saturday, March 28, 2020, the Abingdon Main Street Branch located at 340 W. Main Street Abingdon, Virginia, will not be open. Please visit our Maringo Rd. Branch at 24412 Maringo Road in Abingdon, Virginia or our Bristol Commonwealth Branch at 821 Commonwealth Ave in Bristol, VA for Saturday Drive-Thru Service.

Thank you for understanding.




As we all face the unprecedented challenges associated with the COVID-19 pandemic, we wanted to make you aware of a temporary service change that First Community and Peopleโ€™s Community Bank are making for the safety of our customers, staff, and communities.

Effective Thursday, March 19, at 3 p.m., our lobbies will close. We will remain open for drive-thru service and continue to provide full-service banking through our alternative methods. Additionally, lobby service will be available on a case-by-case basis, by appointment.ย  Please contact your personal banker to arrange any in-person appointments.ย 

Our convenient, Alternative Banking Solutions include:

  • ATMs: Most accept cash and check deposits. Visit FirstCommunityBank.com for a full list of locations
  • Mobile and Online Banking allows 24/7 account access with an array of valuable services, including bill pay, transfers, mobile check deposits
  • Client Care Agents are available to assist at (800) 971-4671, Monday through Friday, 7 a.m. to 6 p.m., and Saturday, 8 a.m. to 12:30 p.m.
  • Xpress Telephone Banking (888) 695-2265

In uncertain times, sometimes the only course is to rely on each other. We know you have lives to live, so weโ€™re doing what we can to make it possible โ€” while keeping you and your family safe. We will continue to provide full banking services at the impeccable level of customer service youโ€™ve come to expect; we will just be offering them a bit differently. While temporarily closing our lobbies was a hard decision, we feel this is the best decision to keep our communities safe.ย 

Thank you for understanding.



Dear Customers,

As a community bank, our primary concern is and always will be the health and safety of our customers, associates, employees, and communities. We are closely monitoring the ongoing developments and safety information related to the coronavirus (COVID-19) and are acting on the latest recommended guidance provided by the Centers for Disease Control and Prevention (CDC) and our state and local public health authorities. ย ย 

Ongoing Service - Currently, all First Community Bank branches remain open and prepared to serve the banking needs of our customers. ย Although our physical locations are open, we want to remind you that, as always, you can access your account 24/7 using online banking and mobile banking, which are options that allow you to complete most transactions on any device right from your home. ย In addition, most of our 24/7 ATMs are now capable of accepting deposits, including cash deposits, as well as allowing withdrawals. ย For our most updated ATM and branch locations and hours of operation, please visit our website at firstcommunitybank.com. ย Our client care department is also available at (800) 971-4671, 7 a.m. to 6 p.m., Monday through Friday, and 8 a.m. to 12:30 p.m. on Saturday.

Business Continuity - Federal and state regulatory agencies require financial institutions such as First Community to have business plans and testing processes to address pandemic scenarios, such as the coronavirus. First Community has business continuity plans in place that are thoroughly and frequently tested to ensure we can continue to serve our customers. First Community is prepared to safeguard the health and safety of their customers, staff, and communities, while ensuring the delivery of important financial services such as money and credit availability, electronic banking, and Visa Debit Card services. First Community stands ready to continue to provide important financial services and support to our customers through the present situation.

Steps Weโ€™re Taking - We have also implemented other precautionary measures at our branches and other office locations.ย  We have ensured that as many staff members as possible may work remotely without interruption or lapse in customer service.ย  We are avoiding large gatherings by rescheduling meetings as conference calls or webinars or by postponing non-essential events altogether. ย We have postponed all non-essential business travel in the short-term. ย Per CDC guidelines, we are cleaning and disinfecting customer areas and support facility common areas more frequently and ensuring hand sanitizer and other cleaning products are readily available. ย In particular, we have increased the regular cleaning of high frequency touch point areas such as handrails, door handles, and teller desks.ย  We are urging employees that have symptoms or that have been exposed to someone with symptoms to stay home.ย 

Steps You Can Take - Please remember to follow the guidance provided by the CDC to help prevent the spread of diseases. ย Visit the CDC website or your local public health authorityโ€™s website for the most recent information. ย Beware of scams by staying on the look-out for suspicious email, text messages, or phone calls โ€“ especially fraudulent government agency or donation schemes.

We remain committed to working with our customers during this stressful time. ย We will continue to closely monitor the situation and evaluate the need for additional measures to support our customers, colleagues, and communities, should those needs arise. ย