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Highlands Union Bank
 

Welcome Product and Services Guide

Your Guide to Products and Services

The names and some of the details relating to your accounts will change. This webpage serves as a brief overview to upcoming changes. If you have not received your welcome guide by mail, please visit any First Community Bank or People’s Community Bank branch to receive a copy. 

Our goal is to make this transition as smooth as possible for you. For more information, please feel free to stop by your local branch or call the Client Care Center at (800) 971-4671. We look forward to serving you.

 

Account Information

 

Account Numbers

Most Highlands Union Bank account numbers will not change. A limited number of duplicate accounts have been identified; if your account is one of these, you will be notified by letter in a separate mailer. The bank routing number will change to 051501299.

 

Checking and Savings Accounts

Most checking and savings accounts from Highlands Union Bank will convert to similar accounts at First Community Bank. If you would prefer a different account, please contact a First Community Bank branch employee after January 20, 2020. We want you to have the account that best fits your needs. We will be glad to talk with you about the many choices available to you.

 

Consumer, Mortgage, and Commercial Loans

As part of the transition, the servicing of your Highlands Union Bank consumer, mortgage, or commercial loans will be transferred to First Community Bank. We will begin accepting your payments on January 2, 2020. You may make payments in person at your local First Community Bank branch, or you can mail payments to First Community Bank’s Loan Department at P.O. Box 5608, Princeton, WV 24740. Mortgage loan customers will receive a servicing letter in mid-December, which will provide more details about your Highlands Union Bank loan.

 

CDs and IRAs

If you have a certificate of deposit (CD) or an individual retirement account (IRA) at Highlands Union Bank, your CD or IRA will be transferred to First Community Bank and will continue until its maturity under your current interest rate and terms.

 

Safe Deposit Boxes

If you have a safe deposit box at any of the Highlands Union Bank locations, it will remain in place with no action required on your part. Terms and conditions and box keys will remain the same. The lease will transition to First Community Bank. Pricing subject to change on the annual rental due date.

 

Paper Statements

As a First Community Bank customer, you will continue to receive a monthly checking statement. You will, however, receive a cut-off statement from Highlands Union Bank as part of the transition. This cut-off statement will reflect your account activity through January 17, 2020, your account’s last day with Highlands Union Bank. Your initial First Community Bank statement will reflect your account activity for the remainder of the statement cycle.

 

eStatements

As a First Community Bank customer, you will continue to receive a monthly checking statement. You will, however, receive a cut-off statement from Highlands Union Bank as part of the transition. This cut-off statement will reflect your account activity through January 17, 2020, your account’s last day with Highlands Union Bank. Your initial First Community Bank statement will reflect your account activity for the remainder of the statement cycle. If you already receive eStatements from Highlands Union Bank, you will continue to receive them from First Community Bank automatically. Customers who don’t receive eStatements but want to enroll in this FREE service can do so within First Community Bank’s Online Banking system on or after January 20, 2020.

 

Transaction Information

 

Checks

Continue to use your Highlands Union Bank personal and business checks as you do today. At the time of your reorder, you will receive a complimentary supply of First Community Bank personal checks or a discount toward the check style of your choice. Business account customers will receive a voucher toward the purchase of new First Community Bank Business Checks.

 

Visa® Check Card

If you currently have a debit/ATM card with Highlands Union Bank, you will receive via U.S. Mail a new, chip-enabled Visa® Check Card from First Community Bank on or around January 13, 2020.

Details about your new First Community Bank Visa® Check Card will be included when you receive your new card in the mail.  Your First Community Bank Visa® Check Card PIN (personal identification number) will be sent to you via U.S. Mail separately.

 

ATMs

All ATMs will be operational during the branch conversion weekend.

 

Direct Deposits and Automatic Drafts

If you currently have direct deposits into or automatic drafts out of an account at Highlands Union Bank, they will continue after the conversion to First Community Bank, and no action is required on your part. If you have any payments automatically made through a Highlands Union Bank debit/ATM card, please contact your payee(s) and provide them with your new First Community Bank Visa® Check Card information.

 

Online Banking

Your Highlands Union Bank online banking will come to an end at 3 p.m. on Friday, January 17, 2020. You can start using First Community Bank’s Online Banking and Bill Pay systems at 8 a.m. on Monday, January 20, 2020. As an added security measure, you will be asked when you log in the first time to change your Online Banking password and set up enhanced security questions. Details will be provided to enrolled users in the coming weeks via email. Please make sure Highlands Union Bank has your most up-to-date email address before January 1, 2020.

 

Bill Pay

Please note that your Highlands Union Bank Bill Pay payees and scheduled payments from your checking account will be automatically transferred to First Community Bank’s Bill Pay service. Highlands Union Bank will discontinue Bill Pay payments on January 17, 2020. The final day to schedule Highlands Union Bank Bill Pay payments is January 12, 2020.

 

Mobile Banking with Mobile Deposit

Your access to the Highlands Union Bank mobile app will be deactivated on January 17, 2020. You must sign up for our Online Banking to have access to our Mobile Banking. After you sign up for First Community Bank’s Online Banking, which will be available at 8 a.m. on January 20, 2020, you can access your account using First Community Bank’s mobile app, available for iOS and Android devices. This app features Mobile Deposit, which allows you to deposit checks directly into your account through your mobile device. Remote deposit is subject to qualification.

 

XPress Telephone Banking

At 8 a.m. on January 20, 2020, you can begin using First Community Bank’s XPress Telephone Banking service by calling (888) 695-BANK (2265). The first time you call, you will need to use the last 4 digits of the primary owner’s social security number (the first person named on the account) as your personal identification number (PIN). You will be asked to change this PIN to a 4-digit number of your choice. Please keep in mind that XPress Telephone Banking has a one-time transfer capability; any transfers that you set up will be a single occurrence. If you need recurring transfers, you will need to set them up in our Online Banking system.

 

Incoming Wire Transfers

Listed below is essential information you will need for an incoming wire transfer. Incoming wire cutoff time is 4 p.m., Eastern Standard Time.

Incoming Domestic Wire Transfers (United States) Wire to First Community Bank

Routing number (ABA):      051501299

 

For Credit:                                    Customer Name     

                                                            Customer Mailing Address, if available                                                                                                  

                                                            Customer Account Number

 

Incoming International Wire Transfers

Wire to:                                                         CenterState Bank of Florida, N. A.

                                                                            400 Interstate North Parkway, Suite 1200

                                                                            Atlanta, GA  30339

 

Bank Routing Number (ABA):       063116767

 

Bank Swift Code:                                   CSBKUS33  

Beneficiary Name:                                First Community Bank

                                                                           One Community Bank

                                                                           P.O. Box 989

                                                                           Bluefield, VA  24605

Beneficiary Account Number:       051501299

Payment Details:                                    Final Credit to:_________________________________

                                                                           (Account Name at First Community Bank and Number)

 

 

Outgoing Wire Transfers

To send an outgoing domestic wire, customers will need to provide the name and address of the person they are sending the funds to, along with the bank account of the recipient, the account and routing numbers. The same information is required for foreign wires, but senders will also need to provide the city and country for the bank of the recipient, along with the receiving bank’s SWIFT code. Outgoing wire cutoff time is 4 p.m., Eastern Standard Time.

 

Service Information

 

$0.10 After Ten Rewards

With $0.10 After Ten Rewards, you will earn $0.10 for every signature-based Visa® Check Card transaction you make in excess of ten per month. The rewards you earn are deposited directly into your checking account monthly. You must have eStatements and be enrolled through Online Banking to be eligible for the debit card rewards program. $0.10 After Ten Rewards will earn $0.10 (ten cents) for every signature-based debit card transaction in excess of ten (10) posted to your account during a calendar month in which your account is in good standing and enrolled in the rewards program. ATM/PIN-based transactions do not qualify for the reward. You may enroll at FirstCommunityBank.com.

 

Overdraft Privilege and Protection    

For the convenience of our eligible checking account customers, we provide a courtesy overdraft service called Overdraft Privilege. Once your account becomes eligible, you will receive a letter by U.S. Mail that further explains the program and the fees associated with it. Overdraft protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at First Community Bank. Fees may apply.

 

Card Guardian

To enroll in Card Guardian, go to FirstCommunityBank.com after you have received your new First Community Bank Visa® Check Card. Select “Access,” click on “Debit Cards,” and follow the links. When enrolled, you’ll receive text messages that alert you to activity on your Visa® Check Card. This service will keep you up to date, so that if your card has fraudulent activity, you can simply reply to the text with the code provided, and your card will be blocked from further unauthorized transactions.

 

Night Deposit

If you are a night deposit customer with Highlands Union Bank, your service will continue with no action required on your part.