Welcome to First Community Bank.
As your Union Bank accounts transition to First Community Bank, we’re excited to get to know you and show you all the benefits of our hometown banking approach. We genuinely believe the best banking is delivered locally, and we are committed to helping customers in northern West Virginia and the Mid-Ohio Valley achieve their financial goals, no matter the scope of their dreams.
Transition Timeline
Key dates and tips for a smooth transition. All Union Bank branches will close early on January 23, 2026, to prepare for the transition. They will reopen on January 26, 2026, 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.
Before 1 | 23
- Review the Welcome Guide and keep it in a convenient spot for future reference. Prior to January 23, 2026, download or print any payment history or past statements from your Union Bank 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, 8 a.m. to 6 p.m., and Saturday, 8 a.m. to 12:30 p.m.
1 | 12 — 1 | 23
- Debit Cards Arrive — Look for your new First Community Bank Visa® Debit Card and PIN in separate mailings. After January 26, 2026, you can set or change your PIN at any branch or ATM.
1 | 12
- ATM Upgrades Begin — Union Bank ATMs are upgraded to First Community Bank XpressBanker ATMs/ITMs. During this time, you can still withdraw cash surcharge-free.
1 | 19
- Bill Pay Transfers — Scheduled payments and payee information will move automatically to First Community Bank. The final day to schedule Union Bank bill payments is January 19, 2026.
1 | 19
- Zelle® Ends at Union Bank — Union Bank Zelle® transfers stop on this date. Zelle® will be available again with First Community Bank’s Xpress Mobile App beginning January 26, 2026.
1 | 23
- Online Banking Cutoff — Union Bank Online Banking ends at 2:00 p.m. on this date. Online Banking and the Xpress by FCB Mobile App will be available again with First Community Bank beginning January 26, 2026
1 | 23
- Union Bank Branches Close Early — Branches close at 2:00 p.m. to prepare for conversion. Upgraded ATMs will remain available throughout the weekend
After 1 | 23
- Final Union Bank Statement — You’ll receive a final cut-off statement from Union Bank covering activity through January 23, 2026, followed by your first statement from First Community Bank.
1 | 26
- Welcome to First Community Bank — Branches reopen as First Community Bank. Online Banking and the Xpress Mobile App go live at 8:00 a.m. Direct deposits and automatic payments continue without interruption. Customer Care Center and Telephone Banking* will be fully available.
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 January 26, 2026, your Union Bank 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 January 26, 2026, you can visit (https://www.firstcommunitybank.com/personal/overdraft-protection), or call our Customer Care Center at 800-971-4671.
What account will I transfer to?
| If you have this Union Bank account | You will have this First Community Bank account |
|---|---|
| Hometown Access | Community Free Checking |
| Regular Checking | Community Free Checking |
| Free Checking | Community Free Checking |
| Club Account | Community Free Checking |
| Hometown Everyday | Community Free Checking |
| Hometown Everyday Plus | Community Interest Checking |
| NOW Account |
Community Interest Checking
|
| Club NOW | Community Interest Checking |
| Hometown 50 | Community 50 Checking |
| Hometown 50 Plus | Community 50 Checking |
| Freedom 55 | Community 50 Checking |
| Hometown Checking | Community 50 for customers 50+; Community Interest for those under 50 |
| Hometown Checking Plus | Community 50 for customers 50+; Community Interest for those under 50 |
| Statement Savings | Community Savings |
| Passbook Savings | Community Savings |
| Money Market | Community Money Market |
| Money Market Plus | Community Money Market |
| Christmas Club | Club Savings |
| Statement Savings used as pre-need burial | Pre-Need Burial Savings |
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 January 26, 2026, your Union Bank account will transition to your new First Community Bank account.
Checks: Continue using your Union Bank personal or business checks as you do today. When you reorder, you’ll receive a complimentary supply of First Community Bank personal checks or a discount toward your preferred style.
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 Union Bank account | You will have this First Community Bank account |
|---|---|
| Regular Checking | Community Free Business Checking |
| NOW Account | Community Interest Business Checking |
| Club Snow | Community Interest Business Checking |
| IOLTA Checking | IOLTA Checking |
| Business Money Market | Business Money Market |
| Business Money Market Plus | Business Money Market |
| Statement Savings | Community Business Savings |
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 January 26, 2026, your Union Bank account will transition to your new First Community Bank account.
Checks: Continue using your Union Bank personal or business checks as you do today. When you reorder, you’ll receive a complimentary supply of First Community Bank personal checks or a discount toward your preferred style. Business customers will receive a purchase credit toward new First Community Bank Business Checks.
First Community Bank business checking accounts include Online Banking with Bill Pay, eStatements, balance alerts, and a free business Visa® Check Card. Commercial 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 – a standard choice with flexible terms and outstanding rates.
- USDA loans (Rural Development) – for eligible properties in qualifying rural areas.
- VA loans – designed to serve veterans and active-duty service members.
- Construction loans – government-backed loans with lower down payment options.
- Land loans – finance your dream home from the ground up.
- JUMBO loans – purchase land for future use or development.
- FHA loans – for higher-value homes that exceed conforming loan limits.
- Many more options – tailored to your unique situation.
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
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.