First Community Bank - Serving the Santa Rosa California Area including Sonoma County

Deposit Accounts

First Community Bank can create a personal deposit portfolio that will put your money to work for you! We recognize that achieving your personal financial goals is very important and we are pleased to offer a full spectrum of competitive products and services to help. Below is a listing of our personal products and services. Please contact us for a more detailed explanation and schedule of fees and charges.

  • Checking and Savings products to fit your personal needs
  • Check 21 for the 21st Century
  • Convenient statements delivered monthly with images of cleared checks.
  • Competitive rates to expedite your financial growth.
  • The safety of FDIC Insurance
  • ATM & Check Cards to allow convenient, easy access to your funds
  • The convenience of on-line banking and telephone banking
  • Personal credit cards to allow purchases everywhere VISA is accepted
  • The convenience of Internet bill pay
  • Direct Deposit
  • Automatic Transfers
  • Safe Deposit Boxes
  • American Express Traveler's Checks
  • Official Checks
  • Overdraft Protection
  • Wire Transfers

Moneypass and Moneypass Free Locations

First Community Bank is proud to be a member of the Moneypass and Moneypass FREE ATM network. Moneypass FREE locations offer the ability to access your cash free of charge using your First Community Bank ATM or Check Card. The Moneypass Free ATM network spans 24 states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Missouri, Minnesota, Montana, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin and Wyoming. The entire Moneypass network includes ATM locations in 47 contiguous states plus the District of Columbia.

Moneypass makes it easy to find participating Moneypass FREE and Moneypass ATMs across the nation through

Check 21 for the 21st Century

A Brief History

In October 2003, the Check Clearing for the 21st Century Act became law. Now known simply as Check 21, the goal of this legislation is "to improve the overall efficiency of the nation's payments system".

Previously, most checks had to be physically handled and transported in order to be cleared. To mitigate this expense and time-consuming process, Check 21 provides a new option: legal acceptance of paper reproduction of an original check. This is called a "substitute check" and is produced digitally from an image of the original check. This makes it easier for banks to electronically transfer check images instead of physically transferring paper checks.

How does this affect you?

Because of Check 21 and other check-system improvements, your checks may be processed faster - which means money may be deducted from your checking account faster. Before you write a check, it's important to make sure that your checking account has enough money in it to cover the check.

You may be one of the majority of consumers or businesses that do not receive their canceled checks with their account statements. Instead, you may receive "pictures" (known as digital images) of your checks, a list of your paid checks, or a combination of these items. Check 21 will have little or no impact on these practices.

On the other hand, if you do get your canceled checks back in your account statements, you may notice some changes under Check 21. For example, we may start sending you a combination of original checks and substitute checks in your account statements. You may use a canceled substitute check as proof of payment just as you would use a canceled original check.

You may receive substitute checks in other limited circumstances. For example, if you request to have a particular canceled check back to prove a payment, we may give you a substitute check. Also, we might provide a substitute check to you when returning a "bounced" check that you deposited into your account.

By law, you are protected from having your account charged for the same check more than once or from having a bank pay the wrong amount for a check. Check 21 does not change these protections. However, Check 21 does give you special rights if you receive a substitute check from us. The following is an explanation of these rights regarding substitute checks.

What Is a Substitute Check?

A substitute check is a special paper copy of the front and back of an original check. The substitute check may be slightly larger than the original check and are specially formatted so they can be processed as if they were original checks. The front of a substitute check should state: "This is a legal copy of your check. You can use it the same way you would use the original check."

Click here to see a sample of what a substitute check looks like.

Not all copies of a check are substitute checks. For example, pictures of multiple checks printed on a page (also known as an image statement) that are returned to you with your monthly statement are not substitute checks. Online check images and photocopies of original checks are not substitute checks either. You can use image statements and other copies of checks to verify that your check has been paid.

Why do banks create substitute checks?

Some banks find that exchanging electronic images of checks with other banks is faster and more efficient than physically transporting paper checks. In certain circumstances, however, banks may need to use a paper check. To address this need, Check 21 allows a bank to create and send a substitute check that is made from an electronic image of the original check.

Can I require my bank to return my original check?

No. In general, the law does not require us or any other financial institution to return your original check to you. Many banks destroy original paper checks. Other banks may store original checks for some period of time and then destroy them. Check 21 ensures that you have the same legal protections when you receive a substitute check from your bank as you do when you receive an original check.

What should I do if I receive a substitute check and there is a problem?

Check 21 provides a special process that allows you to claim a refund (also known as an expedited recredit) when you receive a substitute check from a bank and you think there is an error because of the substitute check. For example, you may think that you were charged twice for the same check.

You may use the special process to get a refund of the money you lost. The amount of your refund under the special process is limited to the amount of your loss or the amount of the substitute check that you received, whichever is less, plus interest on that amount if your account earns interest. If your loss is more than the amount of the substitute check, you may have the right under other laws to recover additional amounts of money.

If the bank finds that your claim is valid, you should receive your refund by the next business day after the bank's finding. Unless the bank finds that your claim is not valid, you should receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after the bank receives your claim. You should receive the rest of your refund (plus interest if your account earns interest) no later than 45 days after the bank receives your claim. If the bank finds that your claim is not valid, you will receive a notice explaining why.

How do I file a claim under the special refund procedure for substitute checks?

If you notice a problem with a substitute check, you should contact the bank as soon as possible. In general, to use the special refund procedure for substitute checks, you should contact the bank no later than 40 days from the date the bank provided the substitute check or from the date of the statement that shows the problem.

In general, you must:

  • Describe why you think the charge to your account is incorrect.
  • Describe why you believe the original check or a better version of the substitute check is needed to determine whether the substitute check should have been deducted from your account.
  • Estimate how much money you lost because of the substitute check. (Include any fees you were charged as a result of the substitute check. Also, alert the bank to any interest you lost, if your account earns interest).
  • Provide a copy of the substitute check, or give the bank information that will help it identify the substitute check and investigate your claim.

What if I have more questions about substitute checks?

Contact us.

Visit the Federal Reserve's web site on Check 21 at

Contact the state's consumer protection agency or attorney general's office for information on state laws that apply to checks and substitute checks.


  • When a bank uses substitute checks, your checks may be processed faster. Be sure you have enough money in your account to cover the checks that you write.
  • Always review your account statement to make sure the charges are correct.
  • If you receive something other than a substitute check, be aware of your rights to resolve errors under other state and federal laws.
  • Contact the bank right away if you notice an error in your account.