Personal Checking
First Century Bank offers a variety of checking accounts to meet your deposit needs.

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Premium Oak Checking

Value Oak Checking

Basic Checking

Best for: Those that maintain a minimum balance of $1,500 in their account.Best for: Those that have a smartphone or look for deals when they shop.Best for: Just the Basics - low-cost account with basic benefits.
EMV Debit Card - 11 ATMs in Network
Account Access Nationwide Through PLUS
EMV Debit Card - 11 ATMs in Network
Account Access Nationwide Through PLUS
EMV Debit Card - 11 ATMs in Network
Account Access Nationwide Through PLUS
Online and Mobile BankingOnline and Mobile BankingOnline and Mobile Banking
Bill PayBill PayBill Pay
Unlimited Checkwriting AbilityUnlimited Checkwriting AbilityUnlimited Checkwriting Ability
$700 Overdraft Privilege*$500 Overdraft Privilege*$400 Overdraft Privilege*
Cell Phone Protection 1, 2Cell Phone Protection 1, 2
Identity Theft Protection 1, 2Identity Theft Protection 1, 2
Roadside Assistance 3Roadside Assistance 3
$10,000 Travel Accidental Death Coverage 2$10,000 Travel Accidental Death Coverage 2
Pharmacy, Vision, and Hearing SavingsPharmacy, Vision, and Hearing Savings
One-Time $10 Check Order Vourcher
Earn Interest on your Checking Account Balance
Service Charge: $8 monthly; waived when the minimum daily balance of $1,500 is maintained.
Service Charge: $5 monthly with no minimum balance requirement.Service Charge: Maintain a $100 minimum balance, and we'll waive the $6 monthly fee,
Minimum to Open: $100.00Minimum to Open: $100.00Minimum to Open: $100.00
* See First Century Bank Overdraft Privilege Information below.
1 Cell phone protection and personal identity protection are subject to additional terms and conditions. Receive up to $200 per claim ($400 per year) if your cell phone is broken or stolen. Cell phone payment must be paid through this account. See additional terms and conditions.
3 Available 24/7, up to $80 in covered service charges. See additional terms and conditions.

Money Market Investment

Enjoy the security and convenience of a banking account with investment-level returns that keeps your money working around the clock! A tiered rate structure means the higher your balance, the higher the yield.

Transfers from a Money Market Investment Account to another account or third parties by pre-authorize, automatic, or telephone transfers are limited to six per month with no more than three by check, draft, or similar order to third parties.

First Century Bank Overdraft Privilege

Overdraft Protection Options:

  • Savings transfer or link1 - $5 fee per transfer
  • Line of Credit1, 2 - Subject to fees + interest

1Call us at (423) 626-7261, email us at, or come by a branch to sign up or apply for these services; 2Subject to credit approval.

Overdraft Privilege

"With our busy lives, it's easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds."

First Century Bank may have the solution you're looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. Please click here for more information about your overdraft coverage options.

First Century Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts. Please click here for more information about extending your Overdraft Privilege coverage.

*Accounts will be charged the standard Overdraft fee of $35 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $35 for items returned. On commercial accounts, if your account balance remains overdrawn for longer than 3 days, the account will be charged a daily overdraft fee of $10 for each of the consecutive calendar days the account remains overdrawn, beginning with day 3. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to First Century Bank or if your account is subject to any legal or administrative order or levy.