Celebrating 160 years: What do customers look for in a bank

Let me share a story about a small community bank that started in 1864 on East Front Street in Berwick, PA. First Keystone Community Bank was established to serve the local community's banking needs with the premise of local banking by local people.

For 160 years, First Keystone Community Bank (FKCB) has succeeded by delivering tailored products and services to our neighbors. Here are some key factors that have helped customers choose FKCB as their financial partner for 16 decades.

Fees & Rates

Today's bank customers are very knowledgeable about banking fees and rates. Therefore, transparency and affordability are crucial to creating a trusted partnership with customers. Community banks like FKCB that demonstrate a strong commitment to our customer-centered values and financial well-being build strong, enduring relationships that help them succeed for generations.

Customer Service

High-quality customer service is the foundation that helps banks ensure customer satisfaction and foster loyalty, thereby proving their commitment to the customer. Customer service is often the most direct and personal interaction that customers have with their bank. As a community bank, the overall helpfulness and expertise of our staff have been fundamental factors to our longevity and continues our commitment to our customers and our communities. FKCB was founded on a relationship-based business model and remains committed to building long-term trust with our customers.

Community-oriented banking

Over the years, customers have become more socially aware and as a result, they are looking to their financial partners to not only offer quality banking services but also contribute to their communities. Social responsibility can enhance a bank's allure by aligning with their customers' values. This can be especially evident with younger generations.

Security

A strong commitment to security can significantly boost customer loyalty and confidence. Consistent security measures, such as two-factor authentication and fraud monitoring, build trust and demonstrate the bank's dedication to its customers' safety. First Keystone Community Bank is also an FDIC-insured institution which promotes confidence and stability in the banking system.

Financial health of the bank

When customers choose a particular bank, they want to know that their assets are safe and secure. A financially healthy bank builds customer confidence in its ability to safeguard deposits, loans, and investments. Maintaining a strong financial position reinforces a bank's reputation as a trustworthy and reliable institution.

As we celebrate our 160^th anniversary, our dedication to the community and our customers remains unwavering. We invest in them and they trust in us. We offer the unique experience of local people serving the community we all call home.

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