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First Community Bank in Charlotte, NC

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2127 Ayrsley Town Blvd: First Community Bank's Charlotte, NC branch serves south Charlotte residents with personal and business banking, lending, and ATM access.

Data compiled from public sources

First Community Bank Review

First Community Bank operates a full-service branch at 2127 Ayrsley Town Blvd, Suite 203 in Charlotte, NC's southern Ayrsley Town area. This standalone location serves Charlotte residents with personal and business banking, along with ATM access. Hours are not published online, so contact the branch directly at 704-503-7518 to confirm when they're open.

The Ayrsley Town branch in Charlotte provides checking and savings accounts, business banking services, lending options, and ATM access. Staff can assist with account questions, loan applications, wire transfers, and other banking needs. For service-specific questions about this Charlotte location, call 704-503-7518 to speak with a team member.

Banking at this south Charlotte location near Ayrsley Town is convenient for residents and business owners in the area. Bring your valid ID and any relevant financial documents for your visit. Whether you need to open an account, apply for a loan, or handle day-to-day banking, the First Community Bank branch at 2127 Ayrsley Town Blvd is ready to help.

Services & Features

ATMs and Xpress Banker stations
Check reordering
Credit cards
FDIC-insured checking and savings accounts
Loan payment services
Loan products (consumer and business)
Mobile banking application
Online banking and digital banking platform
Preferred Perks loyalty program
Remote deposit capture
Trust accounts and trust management
Wealth management advisory services

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by U.S. federal government protection
  • Extensive branch network with 50+ locations across four-state region
  • Multiple ATM and banking station options including Xpress Banker machines
  • Digital banking services including mobile app, online banking, and remote deposit capture
  • Wealth management and trust account services available
  • Saturday lobby hours at some locations (Bluefield, VA; Princeton Stafford Commons)
  • Extended drive-thru hours including Friday evening (until 6 p.m.) at most branches

Cons

  • Limited to four states (WV, VA, NC, TN)—no national presence or out-of-state expansion
  • Website lacks specific product details, rates, fees, and APY information
  • No mention of ATM network partnerships for out-of-region access
  • Regional focus means less accessibility for customers relocating outside service area
  • Limited Saturday/Sunday hours across most branches

State Consumer Finance Context

This is state-level context for Banks consumers in Charlotte, NC. It does not confirm that First Community Bank or this specific location is licensed.

State regulator

North Carolina Commissioner of Banks

Key state rules to check

  • Payday lending banned since 2001 when the Check Cashers Act authorization expired.
  • Consumer finance companies limited to 30% APR on loans under $10,000.
  • The North Carolina Consumer Finance Act regulates all licensed consumer lending.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First Community Bank offer?

First Community Bank offers 12 services including FDIC-insured checking and savings accounts, Credit cards, Trust accounts and trust management, Wealth management advisory services, Loan products (consumer and business), and 7 more.

What profile signals are listed for First Community Bank?

First Community Bank has profile signals associated with Residents of West Virginia, Virginia, North Carolina, or Tennessee seeking local branch banking, Small business owners and entrepreneurs in Appalachian communities, Customers who prefer traditional banking with local community relationships, Individuals needing wealth management and trust services within the bank's service region.

What are the strengths and weaknesses of First Community Bank?

Key strengths: FDIC-insured deposits backed by U.S. federal government protection; Extensive branch network with 50+ locations across four-state region; Multiple ATM and banking station options including Xpress Banker machines. Areas to consider: Limited to four states (WV, VA, NC, TN)—no national presence or out-of-state expansion; Website lacks specific product details, rates, fees, and APY information.

How does First Community Bank compare to similar companies?

In the Banks category, comparable providers include Capital Bank Executive Office, Chase Bank, Woodforest National Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
2127 Ayrsley Town Blvd # 203, Charlotte, NC 28273
BBB Accredited
No
Visit First Community Bank

CreditDoc Profile Note

Research Note on First Community Bank

First Community Bank is profile signals for customers within its four-state Appalachian service territory who value local branch presence and traditional banking relationships. The main caveat is the lack of national reach—customers relocating outside WV, VA, NC, or TN will lose branch access, and those currently outside these states cannot open accounts.

Profile Signals

  • Residents of West Virginia, Virginia, North Carolina, or Tennessee seeking local branch banking
  • Small business owners and entrepreneurs in Appalachian communities
  • Customers who prefer traditional banking with local community relationships
  • Individuals needing wealth management and trust services within the bank's service region
Updated 2026-05-08

Similar Companies

Capital Bank Executive Office logo

Capital Bank Executive Office

First Horizon Bank is a full-service regional bank offering personal and business banking, lending, wealth management, and treasury services across multiple customer segments.

BBB: NR

Profile signals: Small business owners and entrepreneurs requiring comprehensive business banking, treasury management, and listed industry lending, Customers seeking wealth management, investment services, and trust/estate planning integrated with banking services

Chase Bank logo

Chase Bank

Charlotte, NC: Chase Bank at 3319 Pineville-Matthews Rd provides personal and business banking Monday-Saturday.

BBB: NR

Profile signals: Sarasota residents and business owners seeking full-service banking with multiple products under one roof, Customers who prioritize nationwide ATM and branch network access and convenience

Woodforest National Bank logo

Woodforest National Bank

FDIC-insured national bank offering checking, savings, and loans with convenient in-store branches at Walmart and 90K+ retail locations, plus online and mobile banking.

BBB: NR

Profile signals: Walmart shoppers seeking convenient in-store banking with cash access at checkout, Consumers prioritizing mobile banking and remote account management with check deposit via phone

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Quick Summary

  • First Community Bank is listed as a Banks provider in Charlotte, NC on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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