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Reward Checking
Standard Features:
- Refunds up to $30.00 on all ATM fees per Statement Cycle if requirements are met.
- 4.34% Annual Percentage Yield (APY) on your Balance up to $35,000.
For Balances over $35,000, APY will range from 4.34% to 1.26%.
- No Minimum Balance Required
- Minimum Opening Balance of $25.00
- First Order of Checks Free (fifty checks)
- Free Internet Banking
- Free Visa Check Card
- Free Electronic Statement with Check Images
- Unlimited Transactions
- Interest rate and APY subject to change at bank's discretion
All We Require of You:
- The statement cycle begins the day you open your account. All eligibility requirements must be met by close of business on the third Wednesday of each month
- Make at least ten (10) free Visa Check Card point of sale transactions
(excluding ATM transactions) per statement cycle
- Receive your monthly statement electronically
- Access online banking once per statement cycle
- One ACH per statement cycle (direct deposit or debit)
Please note: If you do not meet these four requirements
during the statement cycle, you will earn .10% APY on your average daily balance and not receive ATM fee reimbursements for that time period. Of
course, since Reward Checking is essentially a free checking account
with rewards, no service charge will be assessed if you miss the
requirements.
Click here
to Apply Now!!
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Free Checking
It really is FREE! This account is designed
for the person who needs to open an account with no minimum balance
and do not need a copy of their imaged checks returned.
Standard Features:
- No minimum balance
- No monthly service charge
- Unlimited check writing
- First 50 checks free
- $300 Overdraft Privilege Limit (30 day waiting period on new
accounts)
- Normal overdraft fee of $25 will apply to each item overdrawing
an account
- Visa Check Card
- 24-hour banking with Telebank
- Internet Banking access
- Minimum Opening Balance of $25.00
- No Direct Deposit requirements
- Free Internet Bill Pay
Click here
to Apply Now!!
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Choice Account
Easy to use, simple to choose! Whether your
needs are basic or complex, the Choice Account will be right for
you. The Choice Account is our most popular account for families
and single parents with a regular income. The Choice Account also
carries special benefits for FNBT loan customers and adults over
age 62.
Standard Features:
- Minimum to open $100.
- Unlimited check writing.
- Check images returned with statement.
- Visa Check Card.
- 24-hour banking with Telebank.
- No monthly service charge if your minimum daily balance is $500
or more.
- Service charge of $9.00 per month if minimum daily balance is
below $500.
- $500 Overdraft Privilege limit (30 day waiting period on new
accounts).
- A normal overdraft fee of $25 will apply to each item that overdraws
an account
- First fifty checks free
- $25 "OOPS!" coupon (refund one, O/D, return or stop payment
fee)
- Free Internet Banking access
- Free Internet Banking Bill Pay
Special Features:
- No monthly service charge for FNBT mortgage loan customers with
auto-debit from an FNBT choice account.
- No monthly service charge, free cashiers checks, travelers checks
and 2 boxes of bank stock checks free per calendar year for senior
customers 62 years or older.
Click here
to Apply Now!!
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Savings Accounts
Standard Features:
- Interest bearing account
- Minimum to open $100
- $50 minimum balance to avoid $2.00 service charge
- $2 per month service charge if balance falls below $50
- Interest rate and APY subject to change at bank's discretion
Withdrawal Limitations:
- 2 per month without charge, $3 for each thereafter
- $10 penalty for each withdrawal made during first 30 days account
is open
Click here
to Apply Now!!
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Money
Market Account
Standard Features:
- Interest bearing account
- Minimum to open $2,500
- $2,500 average daily balance to avoid $9.00 service charge
- Check Images returned with statement
- Free Internet Banking account
- Free 24 Hour Telephone Banking with Telebank
- Interest rate and APY subject to change at bank's discretion
Service Charge:
- $9 service charge if minimum daily balance falls below $2,500
Excess Transaction Fee:
- $10 for each item in excess of six per statement cycle
Click here
to Apply Now!!
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NOW Account
Standard Features:
- Interest bearing account
- Unlimited check writing
- Minimum to open $1,500
- $700 overdraft privilege limit* see our overdraft privilege
policy for more information
- Minimum Daily Balance of $1,500
- A normal overdraft fee will apply to each item that overdraws
an account
- Free Internet Banking access
- Free Internet Banking Bill Pay
- Free Cashiers Checks
- Free Travelers Checks
- First fifty checks free
- Check Images returned with statement
- Interest rate and APY subject to change at bank's discretion
Service Charge:
- $10 imposed each statement cycle if average daily balance falls
below $1,500
Click here
to Apply Now!!
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FNBT
Select Account
Standard Features:
- Interest bearing
- Minimum to open $1,500
- Unlimited check writing
- Check images returned with statement
- $5,000 minimum daily balance requirement to avoid $12 monthly
service charge
- 2 boxes of bank stock checks free per calendar year
- $700 overdraft privilege limit - *See our Overdraft Protection Policy for more information.
- A normal overdraft fee of $25 will apply to each item that overdraws
an account
- Free Internet Banking access
- Free Internet Banking Bill Pay
- Free Cashiers Checks
- Free Travelers Checks
- Free ATM transactions at FNBT locations
- Free 24 hour telephone banking with Telebank
- Free Visa Debit Card
- Free small safe deposit box for 1 year
- Interest rate and APY subject to change at bank's discretion
Click here
to Apply Now!!
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