Personal

Personal Banking


Free Checking

  • An initial deposit of $50.00
  • Withdrawals subject to deposit availability.
  • Unlimited check writing available.
  • No monthly service charge.
  • No monthly minimum balance.
  • Non-interest bearing.
  • ATM/DEBIT Card available.

Interest Checking

  • An initial deposit of $50.00
  • Unlimited check writing available.
  • Withdrawals any time, subject to deposit availability.
  • Monthly image statements are provided free of charge in either paper or electronic format.
  • Minimum daily balance of $1,000 required to earn interest. If the balance falls below $1,000 during the cycle, a service charge of $6 per statement cycle will be imposed.

Tier 1: $1,000.00-$9,999.99 *
Tier 2: $10,000.00 + *

    ATM/DEBIT Card available. For primary and secondary owners who are of age 50 years or better:
    • No monthly service charge
    • No minimum balance

Christmas Club

Christmas Club requires an initial deposit of $25.00 to open. Annually at close of business of October 31st, the account balance will be auto transferred to an internal checking or savings account with First Community Bank of the Ozarks.


Money Market

These accounts serve a dual role as a limited checking account and investment account based on tiered interest rates.

  • An initial deposit of $1,000.00
  • A minimum balance of $1,000 is required to earn interest. If the daily balance falls below $1,000 during the cycle, the account will earn no interest and a service charge of $15 will be imposed.

Tier 1: $1,000.00-$4,999.99 *
Tier 2: $5,000.00-$24,999.99 *
Tier 3: $25,000.00 + *


Savings Account

  • An initial deposit of $100.
  • Activity Charges - $5 per withdrawal in excess of 6 per month.
  • Service Charge - $5 per quarter if balance falls below $100.
  • Direct Deposit available.
  • Interest is paid quarterly.
  • Interest calculated on daily balance until the day of withdrawal.
  • Minimum opening deposit and quarterly service charge is waived if primary owner is under 18 years of age. If primary owner turns 18 years of age after opening account, the service charge will be implemented if account falls below $100.00 balance.

FCB Certificate of Deposit

  • Maturity from 7 days to 60 months.
  • Interest rates are Bank/Market determined.
  • Option to receive interest payments monthly, quarterly, semi-annually, or at maturity.
  • An initial deposit of $500 is required to open an account.

FCB Individual Retirement Accounts

  • Maturity from 7 days to 60 months.
  • Interest rates are Bank/Market determined.
  • Options for periodic qualified
  • Distributions paid monthly, quarterly, semiannually or annually.
  • An initial deposit of $500 required to open account.
  • Withdrawals or transfers may be made at maturity without penalty. Premature withdrawals may be subject to penalty based on term of contract.

First Community Bank of the Ozarks Offers a full line of commercial, consumer, real estate and agricultural loans. One may be just right for you. Come by and meet with one of our loan officers today.

* Interest rate and annual percentage yield may change.