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External Transfer Service Agreement

If you have an account and you have selected the external transfer feature, you may originate the electronic transfer of funds into your account at First Community Bank from an account in your name at a financial institution outside of First Community Bank and you may originate the electronic transfer of funds from your account at First Community Bank to an account in your name at a financial institution outside of First Community Bank (both called “External Transfers”).

When you originate External Transfers, you authorize First Community Bank and our service provider to initiate debit and credit entries, upon your instructions, to your First Community Bank account and your account at the financial institution(s) outside of First Community Bank that you designate, using the Automated Clearing House (ACH) or other payment transfer method. You agree and warrant to us that you will only originate External Transfers to or from accounts for which you have the authority to transfer funds, and that by disclosing information to us regarding those accounts to affect your transfers, you are not violating any third-party rights. Not all types of accounts may be eligible for External Transfers, so you should check with the institution for any restrictions on transfers. 

To ensure your security, before you add an outside account for External Transfers, originate a new External Transfer, edit an existing periodic External Transfer or change your phone number through Online Banking, you may be required to authenticate who you are, using a method of authentication you select. Before you originate an External Transfer, you will be asked to authenticate using Online Banking Credentials and/or complete a test transaction. If the authentication and/or test transaction fails or is rejected, for security purposes we may decline your External Transfer request(s) and any or all other transactions, and we may close your account, with or without notice to you. 

External Transfers may be originated on a single entry or recurring basis. One-time transfers may be scheduled immediately or scheduled for a future date. A recurring transfer allows you to transfer a set amount at regular intervals. Your authorization for any recurring External Transfers will remain in full force and effect until you revoke it in such timely manner as to afford First Community Bank a reasonable opportunity to act on your direction.    

One-time External Transfers cannot be scheduled to occur on a non-business day. Recurring External Transfers scheduled to occur on a non-business day will be processed on the next business day. 

Limitations: For security reasons, First Community Bank has established limits on the amount of funds that can be transferred via External Transfers. We reserve the right to change your External Transfer dollar limit at any time. If we decrease the dollar limit, we will notify you as required by law, but we may not notify you if we are restricting your transfer limits for security purposes or because of excessive overdrafts to your First Community Bank account. 

It may take up to three business days for an External Transfer you initiate to be received into your account. 

A fee may be charged for External Transfers. Consult our current Fee Schedule for applicable fees.

Online Banking

Online Banking

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