First Bank Troy Nc, Personal Banking and Business Loan

First State Bank Troy Nc: First State Bank is a community bank providing a much-needed service to farmers, ranchers, and business owners in Athens, throughout Henderson County and the surrounding communities. Their mission is to build mutually beneficial customer relationships by being the local bank and employer of choice. If you desire to bank with them then this article is for you.

First Bank Troy Nc, Personal Banking and Business Loan

Welcome to First Bank Troy, NC

We are pleased to be the community bank of choice for Troy, NC. Here you’ll find straightforward advice from our local financial experts and sophisticated financial products to keep your accounts on the right track. We offer personal banking, business banking, digital and mobile banking, mortgage loans, insurance options, and wealth management services.

At First Bank, we offer the same services as the big banks, but with personalized service from bankers who know your name and live in your neighbourhood.


  • 1040 Albemarle Rd.
  • O. Box 615
  • Troy, NC 27371
  • P:910‑576‑5000
  • F:910‑576‑1242

Working Hours

Monday: 9am – 5pm

Tuesday: 9am – 5pm

Wednesday: 9am – 5pm

Thursday: 9am – 5pm

Friday: 9am – 6pm

Drive-Thru Hours: Monday-Thursday 8:30am-5pm, Friday 8:30am-6pm

Financial Services

  • Deposits and Other Transactions
  • Business Solution and Treasury Specialists
  • Insurance Agent Available by Appointment

Featured Products

  • Commercial Loan Advisors
  • Home Loan Professionals Available by Appointment
  • 24 Hour ATM

First Bank Troy Nc Personal Banking

You need your bank to be a partner. That’s why Everywhere Checking offers features like free digital banking, fee-free options and overdraft protection — you can even opt-in for our debit card rewards program.

Account Features

  • Free digital banking
  • Free online bill pay
  • eStatements or paper statements are free
  • Free direct deposit
  • Free CashPoints ATM network
  • Rewards with your First Bank debit or credit card

Account Fees

You can easily avoid the $8 monthly maintenance fee by meeting the following requirements:

  • Maintain a $600 minimum balance
  • Maintain an average collected balance of $1,200
  • Receive a direct deposit of any amount during the monthly statement cycle

First Bank Business Loan

When your business needs funds to grow, First Bank has the answer. With flexible terms and competitive rates, we offer the financing you need to be successful in today’s competitive business world.

Perfect for you if:

  • You run an expanding business.
  • You want to finance a big investment.
  • Your business is changing its financial structure.

Business credit cards with rewards

First Bank’s Business World Elite Rewards Mastercard offers lower rates, no annual fee, rewards benefits and is a great expense management tool for your business.

Get Card

Lines of credit

Designed to meet the unique needs of businesses like yours, our lines of credit gives you the flexibility to access cash for any business purpose quickly and conveniently. Take advantage of business opportunities as they arise as you can repay and reuse your credit line as needed, and streamline expense tracking by keeping your business and personal expenses separate. To learn more or to begin the application process, complete the form.

Business loans

Infuse your business with an immediate lump-sum of cash for long-term financing. Put funds to work quickly and easily, so you can expand your business, finance new equipment and vehicles, or refinance debt.

Sign up for a free business consultation by filling in the form below, or visiting a local branch.

SBA loans

A government-sponsored loan from the Small Business Administration (SBA) can help you grow your small business when traditional bank financing may not be an option. We have SBA associates who are familiar with niche industries, and they can help you explore the flexible terms and competitive rates of an SBA loan.

Explore Today

Commercial mortgages

First Bank is a commercial lender and provides competitive pricing on a wide variety of commercial mortgage products. Our dedicated staff of commercial real-estate specialists offer industry knowledge and market area expertise and can help structure a loan that meets your needs.

To learn more or to begin the application process, complete the form.

Ready Reserve

A convenient safeguard that’s easy to use and easy to appreciate.

In the event that your checking account does not have sufficient funds to cover a check, First Bank will automatically transfer funds into your checking account from your overdraft line of credit, helping you avoid costly NSF or Overdraft fees.

Eliminate the worry and hassle of an overdraft – stop by your local branch to learn more.

Visit Homepage – For more Information

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