First Bank of Charleston First Bank of Charleston First Bank of Charleston
First Bank of Charleston First Bank of Charleston First Bank of Charleston
First Bank of Charleston First Bank of Charleston

First Bank of CharlestonFirst Bank of Charleston

Consumer Accounts

First Bank of Charleston offers uncomplicated personal banking deposit accounts such as checking, savings, certificates of deposit, and IRA's. The following is a brief description of each. A personal visit will provide more detail and your first view of how we are "shaking up service" to your advantage in the Charleston banking market.

First Free Checking

  • Opening deposit of $100
  • No required minimum balance
  • Unlimited check writing
  • No monthly service charge
  • FREE Debit Card (MasterCard)
  • FREE Check Images
  • ACH suggested

    First Now Checking

    If you maintain a minimum balance of $500 or more, want to gain interest, choose this account. If the balance falls below $500, you pay only $7.00.

  • Opening deposit of $100
  • $7.00 Service Charge if daily minimum balance is less than $500
  • Interest paid monthly on daily collected balances of $500 or more
  • Unlimited check writing
  • FREE Debit Card (MasterCard)
  • FREE Checking Images
  • FREE Cashier Checks

    First Now Plus Checking

    Balance charges occasionally and you want to gain as much interest as possible, open this account. The various balances will allow you gain the maximum interest with only a $25 service charge if the balance falls below $1,000

  • Opening deposit of $100
  • Unlimited check writing
  • Interest paid based on the following tiers rates
    • $1,000-$9,999
    • $10,000-$24,999
    • $25,000-$49,999
    • $50,000 and above
  • $25 service charge if daily minimum balance is less than $1,000
  • FREE Debit Card (Visa or MasterCard)
  • FREE Cashier Checks
  • FREE Check Images


    Automatically deposit regularly into your savings account for even faster growth! Combined checking and savings statement can be provided.

  • Opening deposit of $100
  • $2.00 services charge if daily balance is less that $100
  • Six withdrawals or transfers FREE each month. $2.00 fee for each additional withdrawal or transfer
  • Interest paid and credited quarterly on daily collected balance
  • Quarterly (monthly with EFT activity) statement provided


    Investing can provide peace of mind because of the insured security and steady increase in funds.

  • Any savings or Certificate of Deposit can be IRA accounts
  • A variety of terms are available
  • $500 minimum balance is required for opening

  • 3 month
  • 6 month
  • 7 month
  • 18 month
  • 30 month
  • 1,2,3,4,5 years
  • Specials
  • Interest paid quarterly
  • Compounded quarterly
  • Early withdrawals are subject to penalties



    Be safe, don't flirt with overdrawn accounts fees, maintain a savings account and attach to your checking account for those times when something just went wrong.

  • Tied to savings
  • $2.00 fee per transfer
  • Minimum transfer of $250
  • Offered on First NOW and First NOW Plus

    Mortgage Loans/Home Equity - Lines of Credit
    Contact us today or visit our office for more information.
    304-340-3003 fax

    304-340-3030 First Response
    Banking Balances and Transfers by Telephone
    Important Information On Opening New Accounts

    To help the government to fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

    FDIC Equal Housing Lender
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