As we celebrate Small Business Week, First Keystone Community Bank (FKCB) is proud to be the hometown bank for all types of communities, from urban to rural locations. With 19 branches in five counties, we are proud to serve communities of all shapes and sizes with an array of products that are suited to meet every need from consumer to business.
Our focus is relationships.
Relationship banking is the priority of community banks, distinguishing them from larger institutions and enabling them to create long-term connections with small business owners.
Many of our local communities could be described as having a relaxed atmosphere while also offering cultural and recreational activities. They are places where small businesses thrive and even become the anchor to the population. FKCB branches are located within these small towns, offering a full array of products and services tailored to the specific needs of the local small businesses.
Business banking in a small town is an opportunity for banks to customize their products and services, providing credit and capital to locations that are not situated in a large city and would not otherwise have access. Meeting the financial needs of small businesses in all locations is a priority for community banks like FKCB. It’s business banking with a purpose, and it’s one of the factors that distinguishes community lenders like FKCB from bigger banks.
Customized services designed for our small businesses.
Personalized service is just the tip of the financial iceberg when it comes to small business banking. Community banks are solid, safe, and know how to bank for their customers. Because they live and work within their service areas, community banks have a complete understanding of the unique needs of their business customers. They understand the challenges and opportunities that small businesses face, allowing them to be productive and thrive whether they are located in downtown Stroudsburg or on the main street in Nescopeck.
Walk into any community bank and you’re likely to see someone you know–whether it’s a teller behind the line, a commercial lender or a bank executive. They are the people who live and work next door, and they are the ones making the decisions. Personal factors like family history, discretionary spending and community context play a pivotal role alongside credit scores.
Community banks know that small businesses are dependent on timely responses when every delay could affect the bottom line. Local community bankers are there to help them seize opportunities and navigate challenges promptly.
We get you!
Community banks know their customers so they are more capable of providing flexible solutions to the many unique and diverse needs of small businesses. While large banks tend to be stricter with their loan options, a community bank can be more willing to work with small businesses without requiring them to fit into a standard lending model. Loan options are available for vehicles, agriculture and commercial properties, business lines of credit, and credit cards. In addition, most community banks offer specialized business accounts and a slew of business services like Positive Pay, ACH origination, and merchant services that allow a small business to accept credit and debit cards like their larger counterparts.
We help build communities.
Community banks reinvest in local neighborhoods supporting economic development and job creation as well as support for local businesses and organizations through donations and sponsorships. Incentives like grant programs and funding initiatives for financial literacy or community revitalization are emphasized to provide further community development. Employees are also encouraged to volunteer at local events, often partnering with small businesses which creates a sense of shared success and community.
We’re right around the corner.
Frequently, a local community bank branch is the only financial institution in a large geographic area. For widespread communities that typically include numerous small businesses that can’t rely on a “bank on every corner” scenario, opportunities to access full banking services could be limited. A lack of investment and infrastructure in certain areas could make it difficult to access affordable capital, particularly for small businesses that anchor many small towns. Therefore, a community bank could be critical to the success of a smaller town.
For a full list of First Keystone Community Bank locations, call 888-759-22266, or visit Locations & Hours – First Keystone Community Bank .
