Checking Accounts
Account Types | KaChing! | MPFree | Free | Regular | Interest | 1st Choice Club |
|---|---|---|---|---|---|---|
Opening Deposit | $100 | $100 | $100 | $100 | $500 | $1,000 |
Minimum Monthly Balance | None | None | None | $200 | $500 | $1,000 |
Monthly Service Charge Fee if Minimum Monthly Balance is not met | No fee! Earn interest on your balance when you:
Didn't meet the minimum requirments? Don't worry, there are still no fees or minimum balances!
Meet the monthly requirements and also earn nationwide ATM fee refunds
| No fee! Earn up to $25 in refunds as a sign up bonus, and $5 in refunds per cycle after that when you shop with iTunes or Amazon when you:
Didn't meet the requirements? Don't worry, there are still no fees.
Meet the monthly requirements and also earn nationwide ATM fee refunds | No fee! | $6.00 Regular Checking includes check images on each monthly statement. | $12.00 Interest earned at prevailing rate | $12.00 The 1st Choice Club includes:
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Ka-Ching! Free Checking Account
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Bonus Rates Paid on Balances up to $30,000*
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Bonus 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 bonus 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 0 .05%. The annual percentage yield for this tier will be 0.05%.
- If the daily balance is more than $30, 000.01, the interest paid on that portion of the balance will be 0.03%, resulting in an APY range up to 0.05% - 0.03% APY depending on the balance maintained, assuming a maximum $100,000 in 2nd tier. If qualifications are not met all balances earn 0.03% APY.
MPFree
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Earn iTunes® Download Refunds or Amazon® Purchase Refunds up to $25.00 (initial bonus reward to sign up)*
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Earn up to $5.00/month in iTunes® download refunds or Amazon® purchase refunds per qualification cycle for qualifying accounts*
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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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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 available
*To earn iTunes® Download Refunds or Amazon® Purchase Refunds each month plus ATM Fee Refunds Nationwide at the end of each monthly qualification cycle you must:
- Have at least 15 Debit Card Transactions (Point of Sale) posted and cleared per qualification cycle
- Receive Electronic Statements each qualification cycle
Free Checking
- 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
Regular Checking
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Minimum Opening Deposit $100
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Unlimited Transactions
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Visa Check Card - Transaction Free at FNB ATMs
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Monthly Statement (Imaged Checks Included)
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Monthly Maintenance Fee $6
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Online Banking - Free
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Online Bill Pay - Free
- Overdraft Protection Plans
Avoid fee by:
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Maintain a minimum balance of $200, or
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Link to deposit account(s) totaling $2000, or
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Maintain a minimum of $5000 in consumer loan balances*
Interest Checking
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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 fee by:
- Maintain a minimum 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*
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 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.