Specific Changes Regarding Products
& Services
1. Deposit Services
We have made every effort to place you in an account similar to your current account type. To allow you time to become familiar with your new account, service charges will be waived through the first two statement cycles. If you feel a different type of account will better meet your needs, please contact us at your local banking office. All product changes are effective March 14, 2026.
Personal Checking Accounts
If you have: Your account will now be: Personal High Personal High Performance Checking Performance Checking There
If you have: Your account will now be:
Monthly Maintenance Fee*
(Avoid the fee by maintaining a $100 minimum balance, or do two of the following: Elect into E-statements, use your debit card for at least 10 purchases each month, or receive one ACH credit each month into this account.)
Commercial Checking Accounts
If
Personal Money Market Account
If you have: Your account will now be:
Personal
Personal
Personal
Commercial Money Market Account
If
Business
Business
Personal Savings Accounts
If
IntraFi
First Community Bank is a participant in the IntraFi® Network, providing customers with access to expanded FDIC insurance coverage for large balances through IntraFi Cash Service (ICS®) and Certificate of Deposit Account Registry Service (CDARS®). If you currently have an IntraFi (ICS) account, your deposits remain fully FDIC insured and continue to be placed through the IntraFi network without interruption. You will receive additional information on your IntraFi account in a separate mailing.
Certificates of Deposit
If you currently have a certificate of deposit, the terms of your account will not change until maturity. Your CD will not automatically renew at the first maturity after March 13, 2026. At maturity, please contact your local banking office to renew your CD.
Individual Retirement Accounts
If you currently have an individual retirement account, the terms of your account will not change until maturity. Your IRA will not automatically renew at the first maturity after March 13, 2026. At maturity, please contact your local banking office to renew your IRA.
Check Orders/Savings Kits
You can continue to use your existing supply of Signature Bank checks and savings deposit/withdrawal slips.
Routing and Transit Number
First Community Bank's routing and transit number is 053202208, which is used for all transactions, including ACH and Wires. Transactions submitted with the Signature Bank routing number will be accepted indefinitely.
ATM/Debit Cards
You will receive your new MasterCard ATM/debit card in late- February, and it will have a new card number. You will need to activate your new First Community Bank ATM/debit card prior to use. Activation instructions will be included with the card. You may activate your new ATM/debit card beginning Monday, March 9, 2026. You will create a new personal identification number (PIN) during the activation process. If you have used your current ATM/debit card to establish automatic debits against your checking account, you will need to provide your new number to the originator of the debit transaction(s) and let them know this is for debits initiated after March 16, 2026.
Your existing Signature Bank ATM/debit card can be used until 11:59pm on Sunday, March 15, 2026. After this time, please activate and begin using your new First Community Bank ATM/debit card. Please be sure to securely dispose of your Signature Bank ATM/debit card.
Posting Order of Transactions
The posting order of items presented for payment will generally be paid in the following order:
1. Checks or other debits processed in First Community Bank banking offices paid in check number order.
2. ATM and debit card transactions paid lowest amount to highest amount.
3. Internet banking transactions, telephone banking transactions and transactions initiated by a telephone call to a First Community Bank banking office paid lowest amount to highest amount.
4. ACH transactions — This includes drafts against your account and checks that have been processed as an electronic check paid in check number order. Items presented without a check number will be processed first and paid lowest amount to highest amount.
5. Transit checks, a paper check or an image of a paper check presented for payment through the Federal Reserve Bank paid in check number order. Items presented without a check number will be processed first and paid lowest amount to highest amount.
We reserve the right to pay the withdrawals you make from your account regardless of the method of withdrawal in any order we determine. If you do not have sufficient funds to pay a check, we may return the check unpaid or, at our discretion, pay the check and create an overdraft. A fee of $35.00 may be charged for each returned item or paid overdraft item.
Statement Cycles
In conjunction with the merger, all deposit accounts (including e-statement customers) will receive a paper statement as of March 13, 2026. This will be your final statement from Signature Bank. No fees will be assessed with this special statement cycle.
Future checking and money market account statements will be sent at month end.*
All savings account statements will be issued at the end of each calendar quarter.* If there is ATM/debit card or ACH activity on the account, a monthly statement will be issued at month end.*
CD and IRA accounts will receive a notice at maturity.
*If the regular statement date is a non-business day, statements will be issued on the last business day prior to the regular statement date.
Electronic/Automated Transactions
All Automated Clearing House (ACH) transactions to or from your account will continue uninterrupted. No action is necessary on your part. ACH transactions include direct deposit (i.e. payroll or social security benefits) and drafts (i.e. insurance premiums).
Wire Transfers
For any incoming wire transfers, please notify the sender to begin using the following information:
Credit: First Community Bank, 5455 Sunset Blvd, Lexington, SC 29072
Routing number: 053202208
Further credit to: Your name, account number, and account address
For any incoming International wire transfers, please notify the sender to begin using the following information: Should the international originating bank require a swift code the following information must be used.
Receiving Bank: PCBB (Intermediary) 1676 N California Blvd, Suite #300, Walnut Creek, CA 94596
ABA/Routing: #121042484
Swift Code: PCBBUS66
Beneficiary Bank: First Community Bank 5455 Sunset Blvd Lexington, SC 29072
ABA/Routing: #053202208
Further credit to: Your name, account number, and account address
Fees for Domestic and/or International Wire Transfers apply (see Fee Schedule for more details pg. 27)
Overdraft Privilege (ODP)
Some account types may qualify for Overdraft Privilege. If your account is eligible, you may receive detailed information about the service in a separate mailing.
Overdraft Privilege is a discretionary service. It is not a line of credit, and the bank is not obligated to pay overdrafts. Whether an overdraft is paid is determined on a case-by-case basis.
If the service is available on your account, the bank may, at its discretion, authorize and pay items that exceed your available balance. Standard overdraft fees apply. The current fee is $35 per item, and up to four fees per day may be charged, for a maximum of $140 per day. If an overdraft is paid, the amount of the overdraft and any applicable fees must be repaid promptly, in accordance with the account agreement. The overdraft limit for eligible accounts is up to $500, including any applicable fees.
The bank may decline to pay any overdraft at its discretion.
This service may apply to checks, ACH transactions, and other items that post to your account. ATM and everyday debit card transaction are not covered unless you separately consent ("opt in") under Regulation E.
Tax Reporting
1099s for 2025 will be provided by Signature Bank in January of 2026.
Credit Sense (SavvyMoney Inc)
As part of the upcoming merger, the CreditSense service currently available in your online and mobile banking will no longer be offered after system conversion. This change is occurring because the existing service contract will end as we move to our new banking platform. Your account access to CreditSense at this time will be discontinued. We encourage all customers to enroll for the Online Banking platform to enjoy the full range of digital banking tools provided by First Community Bank. If you wish to continue monitoring your credit, there are many reputable credit-monitoring services available directly through the major credit bureaus. We appreciate your understanding as we work to bring you an improved and unified banking experience.
FDIC Insurance Coverage
Deposits at First Community Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to the applicable limits. During the first six months after the merger of First Community Bank and Signature Bank, your deposits will continue to be separately insured. Certificate of deposit or IRA balances at each institution will remain separately insured until the earliest maturity date occurring after the first six months. For more information about FDIC insurance coverage, visit www.fdic.gov or contact your local branch.
Interest Information Which May Apply to Your Checking, Savings or Money Market Account
Rate: The interest rate and annual percentage yield on your account are variable and may change at any time.
Compounding and Crediting: Interest will be compounded monthly and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. (Interest on Business and Personal High Performance Checking will continue with daily compounding.)
Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. If you deposit non-cash items, such as checks, interest begins to accrue on those non-cash items on the banking day they are deposited.
Interest Information Which May Apply to Your CD or IRA
The interest rates on certificates of deposit and individual retirement accounts will continue through the term of the account. These changes may reduce the amount of interest you earn on your account.
Scan this QR code for the current interest rate schedule or follow the URL link below.
www.firstcommunitysc.com/landing-pages/interest-rate-schedule
2. Loan Services
Loan Account Information
The terms and conditions on loans and lines of credit will remain the same.
Loan Payments
Loan payments are applied in accordance with the terms of your loan agreement. For most loans, payments are generally applied to interest, principal, and then fees.
Account Numbers
Loan account numbers will not change.
Loan Statements/Line of Credit Checks
You will continue to receive loan paper statements on the same periodic basis. You can continue to use your existing line of credit checks.
Statement Cycles
Home equity paper statements will continue to be issued on your current statement date.
*If the regular statement date is a non-business day, statements will be issued on the last business day prior to the regular statement date.
Tax Reporting
1098s for 2025 will be provided by Signature Bank in January 2026.
Credit Cards
Customers who currently have a Signature Bank credit card will continue this service uninterrupted. You may be issued a new card without the Signature Bank name by the credit card company.
Merchant Services
Merchants who currently process credit and debit cards through a merchant service provider will continue using this service uninterrupted.
Loan Products
First Community Bank offers a full range of loan products and services including the following:
• Complete line of commercial loan offerings customized for each business client
• Residential mortgage and construction loans
• Consumer loans
• SBA/USDA loans
We’re here to help.
signature (404) 256-7700
merger weekend support
March 14, 9 am–5 pm
March 15, 2 pm–6 pm (803) 951-0540, Option #8
3. Other Services
Website
Visit our website at www.firstcommunitysc.com for more information about First Community Bank. Included on our website is information on our products and services, locations and much more.
Online Banking
Beginning March 16, 2026 (at 9:00AM ET), Personal and Business customers will be able to access their accounts through First Community Bank’s Online Banking system. First Community Bank offers two Online Banking platforms – Personal/Business Online Banking and Business+ Online Banking, both providing robust capabilities, including (but not limited to) viewing account balances, reviewing transaction history, and transferring funds. Business+ includes enhanced services such as ACH and Wire capabilities, Positive Pay, multi-user access levels, QuickBooks connectivity, and more.
What This Means For You
Customers currently using Signature Bank's Personal Online Banking must enroll in First Community Bank’s Personal/Business Online Banking. Customers currently using Signature Bank's Business Online Banking will automatically convert to First Community Bank’s Business+ Online Banking. NO re-enrollment is required for Business+ customers. New login credentials will be provided to Business+ customers prior to conversion weekend.
How to Access First Community Online Banking
Visit www.firstcommunitysc.com and select either Personal/Business Online Banking or Business+ Online Banking. Personal/Business customers click “Sign Up” and complete the online enrollment form. Business+ customers select the Business+ login and sign using your new credentials.
Signature Online Banking will no longer be available after March 13, 2026. First Community Online Banking will be available starting Monday, March 16, 2026, at 9:00 a.m. ET.
E-Statements
If you currently receive or wish to receive your statements and notices electronically, please enroll in e-statements through online banking.
For new Business+ customers, please contact Business Services at (803) 358-6945 or 1-800-829-6372 to have the e-Statement service enabled.
Business Services
Signature Bank business customers using enhanced business services (including ACH, wire transfers, Positive Pay and remote deposit capture) will have the support of a dedicated customer support group within First Community Bank's Business Services department to answer any of your questions. Call your current office or our Business Services Department directly at (803) 358-6945.
Bill Pay
Payments scheduled through March 18, 2026 will be processed as usual. Payments scheduled after March 19, 2026 will need to be re-established in First Community’s Bill Pay system. If you need assistance importing existing payees in your First Community Bill Pay account, please call us at (803) 951-0540 option #8 or (800) 829-6372.
With your enrollment in First Community Bank’s Online Banking service, you will have access to bill pay free of charge for an unlimited number of transactions. Once you enroll in our online banking service, you may set up your new bill pay service. Bill pay users should check their payees on March 16.
We’re here to help.
(404) 256-7700
March 14, 9 am–5 pm March 15, 2 pm–6 pm (803) 951-0540 , Option #8
Telephone Banking
First Community's telephone banking service is available by calling (888) 951-2265. The first time you access First Community Bank’s telephone banking, your 12-digit telephone banking Login ID will be the eight-digit birthday plus the last four digits of the Social Security number associated with the account holder. If you would like to request a different Login ID, please call us at (803) 951-2265 or (800) 829-6372 after March 16, 2026.
Your temporary telephone banking personal identification number (PIN) will be the last four digits of the Social Security number associated with the account holder. You will be prompted to change it to one of your choice the first time you use telephone banking.
This service will begin tracking your account activity as of March 16, 2026. To obtain historical account information, please contact your local banking office.
This service will be available beginning at 9 am, March 16, 2026.
Mobile Banking – Consumer and Business
Mobile banking is available for consumers and businesses. Once you are enrolled in First Community Bank Online Banking, the First Community mobile app can be downloaded to your phone or tablet. Your mobile banking service should match the online banking service in which you enrolled (Personal/Business or Business+).
Signature Mobile Banking will be unavailable as of 5:00 pm, Friday, March 13. First Community's Mobile Banking will be available to you as of 9 am, Monday, March 16.
Mobile Deposit
This service allows consumers and businesses to deposit checks to your First Community Bank account using your mobile device. The Mobile Deposit service has limitations for acceptable deposit amounts. Please contact your local banking office to discuss limits.
Note: The Mobile Deposit service displays a disclosure which provides guidance on the acceptable endorsement required for your mobile deposit. Please review and confirm any variations with your local banking office.
Mobile Wallet
This service allows you to use your phone to access your First Community Debit card.
Zelle
Zelle is available for consumer and business customers, and accessible through First Community Bank's online and mobile banking service. Both Personal/Business and Business+ Online Banking customers will need to re-enroll on Zelle. Customers utilizing Business+ Online Banking platform must contact Business Services to have Zelle enabled for use prior to enrollment. Zelle will be unavailable as of 5:00 pm ET, Friday, March 13. Zelle will be available to you as of 9 am ET, Monday, March 16, after you have created your First Community Bank Online Banking Account.
Miscellaneous Fees - Business Accounts
Banking Office Locations & Hours
The hours of operation for the current Signature Bank office will not change. Following is a list of locations and operating hours for all First Community Bank offices:
AIKEN
407 Silver Bluff Road, SW Aiken, SC 29803 (803) 293-2400
LOBBY HOURS
mon – fri | 9:00 am – 5:00 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
AUGUSTA
3638 Walton Way Extension Augusta, GA 30909 (706) 396-2500
LOBBY HOURS
mon – fri | 9:00 am – 5:00 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
BEREA
45 Farrs Bridge Road Greenville, SC 29617 (864) 294-9711
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
BLYTHEWOOD
201 Main Street
Blythewood, SC 29016 (803) 726-6300
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
CAMDEN
631 West DeKalb Street Camden, SC 29020 (803) 432-7575
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
CAYCE/WEST COLUMBIA
506 Meeting Street West Columbia, SC 29169 (803) 791-8810
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
CHAPIN
127 Amick's Ferry Road Chapin, SC 29036 (803) 345-5952
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
COLUMBIA - DOWNTOWN
1213 Lady Street Columbia, SC 29201 (803) 724-5900
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
COLUMBIA - NORTHEAST
9822 Two Notch Road
Columbia, SC 29223 (803) 865-7475
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
EASLEY
1670 East Main Street Easley, SC 29640 (803) 306-1444
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
EVANS
1200 Town Park Lane, Suite 101 Evans, GA 30809 (706) 941-3388
LOBBY HOURS
mon – fri | 9:00 am – 5:00 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
FOREST ACRES
4404 Forest Drive Columbia, SC 29206 (803) 790-0100
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
GILBERT
4325 Augusta Highway Gilbert, SC 29054 (803) 892-4400
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
GREENVILLE
105 N North Spring Street Suite 100
Greenville, SC 29601 (864) 720-1270
LOBBY HOURS
mon – fri | 9:00 am – 5:00 pm
IRMO
1030 Lake Murray Boulevard Irmo, SC 29063 (803) 781-3000
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
LEXINGTON
5455 Sunset Boulevard Lexington, SC 29072 (803) 951-0555
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
NEWBERRY
1735 Wilson Road Newberry, SC 29108 (803) 321-3200
LOBBY HOURS
mon – fri | 9:00 am – 5:00 pm
DRIVE-THROUGH HOURS
mon – thurs | 8:30 am – 5:00 pm friday | 8:30 am – 5:30 pm
POWDERSVILLE
11000 Anderson Road
Piedmont, SC 29673 (864) 331-2880
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
PROSPERITY
101 North Wheeler Avenue Prosperity, SC 29127 (803) 364-2008
LOBBY HOURS
mon – fri | 9:00 am – 5:00 pm
DRIVE-THROUGH HOURS
mon – thurs | 8:30 am – 5:00 pm friday | 8:30 am – 5:30 pm
RED BANK
1449 Two Notch Road Lexington, SC 29073 (803) 359-0022
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
ROCK HILL
1746 Ebenezer Rd
Rock Hill, SC 29732 (803) 327-8989
LOBBY HOURS
mon – thurs | 9:00 am – 5:00 pm friday | 9:00 am – 5:30 pm
DRIVE-THROUGH HOURS
mon – thurs. | 8:30 am – 5:00 pm friday | 8:30 am - 5:30 pm
SANDY SPRINGS
6065 Roswell Road, Suite 110 Sandy Springs, GA 30328 (404) 256-7700
LOBBY HOURS
mon – fri | 9:00 am – 4:00 pm
DRIVE-THROUGH HOURS
mon – fri | 9:00 am – 4:00 pm
ATM ONLY
NEWBERRY
1502 College Street Newberry, SC 29108
Have a question or need assistance?
We are here to support you during this transition. If you have questions or need assistance, we have associates available.
Merger Weekend
March 14 9:00am-5:00pm
March 15 2:00pm-6:00pm
Extended Hours
March 16-20 8:30am-7:00pm
March 23-27 8:30am-7:00pm
March 30-31 8:30am-7:00pm
For assistance, please call (803) 951-0540 and select option #8.