Regular Shares:

A regular share account is opened when you join the credit union. Your savings are called shares because they represent your share of ownership of the credit union. The basic share account must be maintained to preserve your membership.

	Dividends (interest) are earned daily and credited at end of dividend period.
	Withdrawals can be made from your account during any office hours.
	All accounts are federally insured to $250,000 by NCUA, an agency of the U.S. government.

Regular Draft/Checking Accounts:

Share drafts are to credit unions as checks are to banks -- an easy access to funds deposited in the credit union.

	Monthly statements assist you in balancing your account.
	No service charge or charge for share drafts for seniors 50+.
	VISA CHECK CARD - Our new VISA Check Card replaces check writing and saves you time and money. You can use it to make purchases anywhere that accepts VISA and funds are drawn directly from your share draft account. You can also use it at ATMs worldwide to get quick cash. All debit card transactions are recorded on your monthly share draft statement.
	Create Your Checks Online!

Salary Distribution:

Teachers can have a paycheck every month. How? Salary Distribution is a free service that provides the security of a year-round income. Here's how it works:

When you fill out an application for salary distribution, you've authorized the Board of Education to forward 16.67% of your net pay (take home pay) each payday to First where we will deposit it into your summer accounts.

The checks will be mailed to you on June 15, June 30,
July 15 and July 31.

Payroll Deduction:

The most effective way to save money is by payroll deduction. The money is sent by the employer directly to the credit union. It is much easier to save before you get your check each payday than to try to save after you have made all of your purchases.

	You may sign up for payroll deduction when joining the credit union.
	A fixed amount is deducted from each paycheck.
	Payroll deduction can also be used for loan payments.

Direct Deposit:

Direct Deposit offers you a convenient way to have your paycheck deposited into your account without waiting in line.

	Each payday your net pay will be automatically deposited into your Share Draft/ Checking or, if you prefer, your Share/Savings account.
	You will continue to receive your check stub detailing your gross pay, itemized deductions and net pay amounts.
	Direct Deposit is available for paychecks, pension checks and social security checks.

Christmas Club:

	Accounts for Christmas Club savings may be opened at any time.
	The account will be set up from November 1st to October 31st.
	Checks are available the first week of November.

Personal eBranch Office

No Lines. No Waiting. Free Access. Anytime. Anywhere.
FCCU personal eBranch office provides online access to your First Community Credit Union accounts. Use this free service to balance your account, receive monthly statements, retrieve copies of recently cancelled checks, transfer money, make loan payments, pay bills, view account histories, and perform real time transactions on your own time. From work, home, traveling, anywhere!

Our personal eBranch office is internet accessible, requires no special software, and for your security utilizes 128-bit encryption.

Have questions? To learn more about Personal eBranch Office, click on the eBranch tab on the left side of this page or call us at 931-388-6914.

Your member number is your FCCU account number. Your default (or initial) password will be the last four digits of the primary member's social security number. This is the password you will use the first time you sign on to the personal eBranch office. To ensure proper security, you are required to change your password the first time you sign on. Your new password may be 4 to 8 characters in length and may be alpha and/or numeric. Keep in mind that your password is case sensitive.

Tired of Paying Bills?

Eliminate the cost, inconvenience and worry of paying bills through the mail, sign up for eBillPay today!

Let the credit union do it for you. Our eBillPay service and takes the work and worry out of paying bills. You even save money!

Here’s how it works…

You receive bills the same way as always. When you are ready to pay, you schedule a payment online at www.fccu.us and we do the rest. You can pay anyone, anywhere through this service.

eBillPay is free to members with free eChecking. In addition, eBill Pay saves you:

You can schedule recurring payments of the same amount (i.e. your home mortgage) to be paid automatically on the same day each month.
If you don’t want to automatically pay a bill, your payee information is saved the first time you pay a bill. It’s all there the next time you need to make that payment
The money comes out of your account on the date you schedule the payment to be made. Scheduling bill payment on paydays greatly simplifies money management.
Your payee list reminds you of the regular payments you need to make.
You will save the cost of postage stamps.

To ensure your payments are received on time, you need to schedule or make the payment at least five days prior to the bill’s due date.

Enjoy the Convenience
and Security of Online Statements and Check Images

Online e-Statements
When a member signs up to receive online statements, it means they have one less piece of mail to open and sort each month. Plus, online statements can be easily stored on a computer or other memory devise for easy access.

To access the e-Statement feature, click on eBranch, then click on
e-Statements. From this page, you will be able to view up to twelve months of your credit union monthly statements. At the top of the page, select and click on "Stop Sending My Paper Statement". You will then be asked to enter your e-mail address. You must confirm your e-mail address and check the box labeled: "Do not send my Standard Paper Statement". Select and click the "Submit Request" button at the bottom of the page.

On the first business day of each month you will receive an e-mail notifying you that your online statement is ready for viewing.

Online Check Images
Can't remember to whom you wrote that check, or the amount for which the check was written? Simply sign on to eBranch, click on your "Draft Account", then click on the check number. An image of the front and back of your cancelled check will appear on your screen. You may then print it or save it to your computer.

24-Hour Touch Tone Teller

You can access your FCCU accounts 24 hours a day, 7 days per week, including holidays. All you need is a touch tone phone. And best of all, it's free!

From any touch tone telephone, call our Touch Tone Teller Number:
931-490-1943.

See complete instructions, and print them out for easy reference.

Online Loan Origination System

FCCU is continually making it more convenient to conduct your financial business with us. Our new online loan origination system enables members to apply for a loan online in just minutes and receive our response notifying you of approval of your loan request
in seconds. Simply log into our eBranch (Internet Banking), select Online Forms and click on Loan Application and complete the information requested. You will then be contacted by one of our loan officers by the next business day.

MoneyPass Surcharge Free ATM Network

Look for this s MoneyPass logo on an ATM near you for Surcharge-Free access to
your funds.

First Community Credit Union is pleased to announce a money saving feature for our members, access to the new MoneyPass Surcharge-Free Network. First Community Credit Union cardholders may use their debit or ATM card to get cash with no surcharge at every ATM that bears the distinctive MoneyPass logo. There are thousands of ATMs locally and around the country, and since MoneyPass is the fastest growing surcharge free ATM network in the country, there will soon be even more convenient locations. To find out more about where you can use MoneyPass, call us or click here.

Balance Financial
Fitness Program

First Community Credit Union is dedicated to helping you realize your financial goals - reducing your debt, saving for higher education, buying your first home, or planning for retirement. Which is why we are excited to announce your newest benefit of membership: BALANCE Financial Fitness Program.

Through BALANCE, you have access to free, unbiased money management information and assistance. All you have to do is make a toll-free phone call.

BALANCE counselors can answer many of your questions immediately - from how long an item stays on your credit report to whether it's better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled - giving you the personal attention you need to meet your objectives.

If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan. BALANCE negotiates with creditors to reduce interest and fees so you can pay your debt quickly and efficiently. As a member of First Community Credit Union, the program's monthly administration fee of $20 is waived.

To use the new program, simply call 888-456-2227. Counselors are available Monday through Thursday, 7:00 a.m. to 10:00 p.m., Friday, 7:00 a.m. to 7:00 p.m. and Saturday, 10:00 a.m. to 7:00 p.m. Or
visit www.balancepro.net/partners/firstcommunitycu for more information.

Additional Services:

	Deposits are insured to at least $250,000 and are backed by the full faith and credit of the United States government.
	Free notary service to Credit Union members.
	New car price quotes.
	Full family membership.
	Direct deposit of pension checks, social security, payroll checks.
	Share Certificates.
	Individual Retirement Accounts (IRAs).
	Vacation Club Accounts.
	Special Loan Promotions.
	Money Orders.
	Cashier's Checks.
	Wire Transfers.
	Insurance Programs.

ABA# (Routing and Transit #) and Wiring Instructions:

FCCU's ABA Number is 264178671. Wiring instructions as follows:

	First Credit To: Volunteer Corporate Credit Union Nashville, TN ABA # (Routing and Transit #) – 264182395
	For Further Credit To: First Community Credit Union Columbia, TN ABA# (Routing and Transit #) – 264178671
	Final Credit To: Member Name Member FCCU Account Number Amount of Transfer

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.