Checking Accounts
Accounts | KaChing! | 1st Choice Club | Free | Interest | ||
|---|---|---|---|---|---|---|
How you benefit! | Interest-bearing account with no Service Fees! | Robust, interest- bearing account with benefits! | Account with no Service Charge or Minimum Balance! | Interest-bearing account with Check Images! | ||
Interest Rate | Qualifications Apply* | N/A | ||||
Opening Deposit | $100 | $1,000 | $100 | $500 | ||
Minimum Monthly Balance | None | $1,000 | None | $500 | ||
Service Charge Fee^ | No fee! | $12.00 | No fee! | $12.00 | ||
KaChing! Free Checking Account
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Tiered Rates Paid on Balances up to $30,000*
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Tiered Rates Paid on the Portion of the Balance above $30,000*
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Nationwide ATM Fee Refunds*
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Minimum Opening Deposit $100
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No Minimum Balance After Opening
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No Monthly Maintenance Fee
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Unlimited Transactions
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ATM/Visa Check card – transaction free
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Monthly Electronic Statements (Checks not included)
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Online Banking – Free
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Online Bill Pay – Free
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Overdraft Protection Plans
*To earn tiered rates and nationwide ATM Fee Refunds at the end of each monthly qualification cycle you must:
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Have at least 12 Debit Card Transactions (Point of Sale) posted and cleared per qualification cycle
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Have at least 1 Direct Deposit or ACH Auto Debit posted and cleared per qualification cycle
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Receive Electronic Statements each qualification cycle
- If the daily balance is less than $30,000.01, the interest paid on that portion of the balance will be 1.25%. The annual percentage yield for this tier will be 1.26%.
- If the daily balance is more than $30,000.01, the interest paid on that portion of the balance will be 0.20%, resulting in an APY range up to 1.26% - 0.44% APY depending on the balance maintained, assuming a maximum $100,000 in 2nd tier.
- If qualifications are not met all balances earn 0.05% APY.
1st Choice Club Account
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Minimum Opening Deposit $1000
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Unlimited Transactions
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Interest Earned at Prevailing Rate on the Entire Balance
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1st Choice Club CD (Premium CD)
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Monthly Statement (Imaged Checks Included)
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Visa Check Card - Transaction Free at FNB ATMs
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Monthly Maintenance Fee of $12
- Free Club Checks (400 per year)
- "One Up" Rate on Certificates of Deposit
- Consumer Loan Rate Discount
- Free Notary Service
- Free Signature Guarantee
- Safe Deposit Box Discount (1 Time)
- Online Banking - Free
- Online Bill Pay - Free
- Overdraft Protection Plans
^Avoid Service Charge Fee by:
- Maintain a minimum balance of $1000 or
- Link to deposit accounts totaling $10,000 or
- Maintain a minimum of $15,000 in consumer loan balances*
*Consumer loan balances are defined as installment loan, outstanding equity line balances, or equity loan balances. Commercial loans, time notes and mortgage loans are excluded from this calculation.
- Minimum Opening Deposit $100
- No Minimum Balance After Opening
- No Monthly Maintenance Fee
- Unlimited Transactions
- Visa Check Card - Transaction Free at FNB ATMs
- Monthly Statement (Checks not included)
- Online Banking - Free
- Online Bill Pay - Free
- Overdraft Protection Plans
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Minimum Opening Deposit $500
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Unlimited Transactions
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Interest Earned at Prevailing Rate
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Visa Check Card - Transaction Free at FNB ATMs
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Monthly Statements (Imaged Checks Included)
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Monthly Maintenance Fee $12
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Online Banking - Free
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Online Bill Pay - Free
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Overdraft Protection Plans
^Avoid Service Charge Fee by:
- Maintain a minimum daily balance of $500 or
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Link to deposit accounts totaling $5000 or
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Maintain a minimum of $10,000 in consumer loan balances*