Welcome to First Community Bank.
As your Surrey Bank & Trust accounts transition to First Community Bank, we are excited to get to know you and to show you all of the unique benefits you’ll receive from our special brand of hometown banking. We
genuinely believe the very best banking is delivered locally, and we are completely committed to helping our customers and communities achieve their financial goals, no matter the scope or scale of their dreams.
genuinely believe the very best banking is delivered locally, and we are completely committed to helping our customers and communities achieve their financial goals, no matter the scope or scale of their dreams.
Transition Timeline
Key dates and tips for a smooth transition. All Surrey Bank & Trust locations will close at 2 p.m. on April 21, 2023, and will reopen April 24, 2023 as First Community Bank, with normal business hours.
We know that transitioning to a new bank can seem daunting, so we’ve created the following timeline and this welcome guide to help you through the process and make sure we all have the details covered each step of the way.
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- Review the Welcome Guide and keep it in a convenient spot for future reference. Prior to April 21, 2023, download or print any payment history or past statements from your Surrey Bank & Trust account you may want to reference later. The First Community Bank Customer Care Center is here to help you with any questions you have about the upcoming transition.
Contact us at 800-971-4671. Our Customer Care Center hours are Monday through Friday, 7 a.m. to 6 p.m., and Saturday, 8 a.m. to 12:30 p.m.
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- Online/Mobile banking users will receive emails with important information about Online Banking access and Bill Pay. Please make sure Surrey Bank & Trust has your most up-to-date email address. We will send emails to Online Banking users during
this time.
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- Digital One Business users will receive emails with important information about Online Banking access, Bill Pay, and ACH.
Please make sure Surrey Bank & Trust has your most up-to-date email address. We will send emails to Online Banking users during this time
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- Your new First Community Bank Visa® Check Card (debit card) will arrive by U.S. Mail. More detailed information will be included with your new First Community Bank Visa® Check Card on how to transition from your Surrey ATM/debit card.
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- Watch the U.S. Mail for your new First Community Bank Visa® Check Card PIN. More detailed information will be included with your new First Community Bank Visa® Check Card on how to transition from your Surrey ATM/debit card. PINs may be customized after April 24, 2023 by contacting the Customer Care Center or your branch.
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- Surrey Bank & Trust Zelle® transactions will end at 4 p.m. on April 20, 2023. For more information regarding the Zelle® transition, keep checking firstcommunitybank.com/welcome-surrey. Zelle® transactions with Xpress by FCB will be available April 24, 2023. Sign up for Zelle® using our Xpress by FCB Mobile App.
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- Surrey Bank & Trust branches will close at 2 p.m. on April 21, 2023 to prepare for the conversion to First Community Bank over the weekend. ATMs will be replaced leading up to April 21, 2023. These NEW ATMs at the transitioning branches will be operational over the weekend. For more information regarding ATM updates, keep checking this page for up to date information.
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- Online Banking and Digital One customers should stop using Surrey Bank & Trust Online Banking system. Online Banking users will have access to First Community Bank’s Online Banking system at 8 a.m. on April 24, 2023. Once logged in, review and verify pending payments and recurring transfers are correct. Please help us expedite your Bill Pay payments by reviewing remittance addresses ahead of time.
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- Payee information and scheduled payments in Surrey Bank & Trust Bill Pay system will be automatically transferred to First
Community Bank’s Bill Pay system. Surrey Bank & Trust will discontinue Bill Pay payments on April 21, 2023. The final day to schedule Surrey Bank & Trust Bill Pay payments is April 19, 2023.
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- Customer information will be available through First Community Bank’s Xpress Telephone Banking at 8 a.m. on April 24, 2023.
You may call toll-free at 888-695-2265 to check balances, as well as to create a one-time transfer.
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- Your account information will become available to First Community Bank’s Customer Care Center at 7 a.m. on April 24, 2023. While the Customer Care Center will not be able to access your account information until April 24, 2023, our staff is available for assistance throughout the transition at 800-971-4671.
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- Mobile Banking users can access First Community Bank’s Xpress by FCB Mobile App at 8 a.m. on April 24, 2023. To utilize Mobile Banking with First Community Bank, you will need to sign up for First Community Bank’s Online Banking. Then, to sign in to First Community Bank’s Mobile Banking, you’ll need to download the First Community Bank Mobile Banking app for iOS or Android devices.
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- Current direct deposits into or automatic payments out of an account at Surrey Bank & Trust will continue. Don’t worry. Your direct deposit or automatic payments will be passed to us by Surrey Bank & Trust. We will notify the sender initiating transactions to start sending them to First Community Bank.
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- Update any automatic payments that access your account using your Visa® Check Card (debit card) and that will be drafted on or after April 24, 2023. If you used your Surrey Bank & Trust debit/ATM card to set up automatic payments, be sure to give that payee your new First Community Bank card.
Other Important Notes
Overdraft Privilege & Protection
For the convenience of our eligible checking account customers, we provide a courtesy overdraft service called Overdraft Privilege. Once your account becomes eligible and with the first occurrence of an Overdraft, you will receive a letter by U.S. Mail that further explains the program and the fees associated with it. 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. Fees may apply.
On April 21, 2023, your Surrey Bank and Trust account(s) will migrate to First Community Bank. Upon becoming our customer, you will be automatically enrolled in our Overdraft Privilege Program (ODP), subject to certain limitations. ODP is one of several services we offer to help you cover overdrafts. With ODP, we will generally pay overdrafts on your account for checks, other transactions made using your checking account number, and automatic bill payments as long as you are enrolled in the service.
ODP does not cover overdrafts that occur because of one-time ATM and debit card transactions, but by enrolling in our Extended ODP service, you can authorize us to cover those, too.
If you have previously authorized Surrey Bank and Trust to cover overdrafts incurred because of one-time ATM and debit card transactions, we will continue to cover such overdrafts under our Extended ODP unless instructed by you to no longer cover such items. If you wish to make changes to your enrollment in our Overdraft Privilege Program or Extended Overdraft Privilege after April 21, 2023, you can visit https://www.firstcommunitybank.com/overdraft-protection), or call our Customer Care Center at 800-971-4671.
What account will I transfer to?
| If you have this Surrey Bank & Trust account | You will have this First Community Bank account |
|---|---|
| Choice Checking | Community Free Checking |
| Surrey Checking | Community Preferred Checking |
| Regular Checking | Community Free Checking |
| Interest Checking |
Community 50 Checking
|
| Granite Banking | Community Interest Checking |
| Gold Checking | Community Interest Checking |
| Statement Savings | Community Savings |
| Passbook Savings | Community Savings |
| Money Market | Community Money Market |
| Basic Checking (Employee) | Community Preferred Checking |
| Estate Checking | Community Free Checking |
| Value Checking |
Community Free Checking
|
Info for Retail Checking Accounts:
Welcome! By now, you should have received your First Community Bank Welcome Guide, which provides detailed information regarding the transition of your account. Beginning on April 24, 2023, your Surrey Bank & Trust account will transition to your new First Community Bank account. As stated on page 7 of the Welcome Guide, you may continue using your existing Surrey Bank & Trust checks.
At the time of your first check reorder, you will receive a complimentary box of First Community Bank Wallet Specialty Gray personal checks or a 75% discount on Duplicate Specialty Gray checks. Or you may choose from the other eligible discount check categories offered by Deluxe®. When you need to place your reorder, call or visit your local branch, or contact the Customer Care group at (800) 971-4671. Be sure to mention the Surrey Conversion Promo when placing your check reorder. The check order promotion begins on April 24, 2023, and the promotion ends on June 4, 2024.
All First Community Bank personal checking accounts include numerous convenient features at no charge, including Online Banking with Bill Pay, XPress Telephone Banking, ATM banking at any First Community Bank ATM, eStatements, and a free Visa® Check Card. For a detailed description of our accounts, please view our personal account page, as well as our community savings account and community money market account pages.
What account will I transfer to?
| If you have this Surrey Bank & Trust account | You will have this First Community Bank account |
|---|---|
| Small Business Checking | Community Free Business Checking |
| Non-Profit Checking | Community Non-Profit Checking |
| Commercial Checking | Community Commercial Checking |
| Business Interest Checking | Community Commercial Checking |
| Zero-Balance Sweep | Community Commercial Checking |
| Non-Profit Interest Checking | Community Interest Business Checking |
| IOLTA - Interest on Lawyer Trust Accounts Checking | IOLTA Checking |
| Business Statement Savings | Community Business Savings |
| Money Market Accounts | Business Money Market |
| Business Passbook Savings | Community Business Savings |
| Public Funds Money Market | Business Money Market |
Info for Business Checking Accounts:
Welcome! By now, you should have received your First Community Bank Welcome Guide, which provides detailed information regarding the transition of your account. Beginning on April 24, 2023, your Surrey Bank & Trust account will transition to your new First Community Bank account. As stated on page 7 of the Welcome Guide, you may continue using your existing Surrey Bank & Trust checks.
We partner with Deluxe® for our check order needs and as a thank you, we would like to offer you a credit of $150 towards your first check order through Deluxe®.
When you are ready to place a check order:
- Call Deluxe®toll-free at (800) 503-8744 to place your business check order. Deluxe® Order Specialists are available to assist with checking account supply orders (checks, deposit tickets, and endorsement stamp) Monday–Friday 8 am–8 pm EST, and Saturday 9 am–5:30 pm EST.
- You may also call or visit your local branch; or contact the First Community Bank Customer Care group at (800) 971-4671 to place your order.
- Be sure to mention the Surrey Conversion Promo #5202 to receive the promotional offer of $150.
- The check order promotion begins on April 24, 2023, and the promotion ends on June 4, 2024.
First Community Bank business checking accounts include Online Banking with Bill Pay, eStatements, balance alerts, and a free business Visa® Check Card. Treasury Services are also available. (Additional fees may apply). For more information about our business account offerings, please visit our business accounts page. As well as our Business Money Market account.
Loans Offered
- Conventional loans
- USDA loans (Rural Development)
- VA loans
- Construction loans
- Land loans
- JUMBO loans
- FHA loans
- Many more options
Home Equity Lines of Credit
Improve your home, consolidate high interest debt, or plan a dream vacation
with a home equity line of credit.
with a home equity line of credit.
- Quick loan processing
- Interest may be 100% tax deductible (consult your tax advisor)
- Conveniently access funds when needed
Other Important Notes
Overdraft Privilege & Protection
For the convenience of our eligible checking account customers, we provide a courtesy overdraft service called Overdraft Privilege. Once your account becomes eligible and with the first occurrence of an Overdraft, you will receive a letter by U.S. Mail that further explains the program and the fees associated with it. 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. Fees may apply.
On April 21, 2023, your Surrey Bank and Trust account(s) will migrate to First Community Bank. Upon becoming our customer, you will be automatically enrolled in our Overdraft Privilege Program (ODP), subject to certain limitations. ODP is one of several services we offer to help you cover overdrafts. With ODP, we will generally pay overdrafts on your account for checks, other transactions made using your checking account number, and automatic bill payments as long as you are enrolled in the service.
ODP does not cover overdrafts that occur because of one-time ATM and debit card transactions, but by enrolling in our Extended ODP service, you can authorize us to cover those, too.
If you have previously authorized Surrey Bank and Trust to cover overdrafts incurred because of one-time ATM and debit card transactions, we will continue to cover such overdrafts under our Extended ODP unless instructed by you to no longer cover such items. If you wish to make changes to your enrollment in our Overdraft Privilege Program or Extended Overdraft Privilege after April 21, 2023, you can visit https://www.firstcommunitybank.com/overdraft-enrollment), or call our Customer Care Center at 800-971-4671.
Intuit QuickBooks/Quicken/Mint Information
We welcome you to First Community Bank, where we passionately pursue excellence. Our entire team is looking forward to create and grow a relationship with you.