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Personal Banking
Retail Checking Accounts
| If you currently have: | FNB FREE | FNB SELECT & REGULAR TIERED CHECKING | CHECKING W/INTEREST & FIRSTSTREETERS W/INTEREST | FIRSTSTREETERS & SENIOR CHECKING | LIMITED PLUS | MONEY MARKET SAVINGS |
| Your account will become: | Simply Free Checking | Classic Checking | Classic Plus Checking | Gold Star Checking | Platinum Checking | Money Market Account |
| Minimum Balance | None | $250.00 | $500.00 | None | None | $2,500.00 |
| Required Opening Deposit | $100.00 | $100.00 | $100.00 | $100.00 | $100.00 | $2,500.00 |
| Account Characteristics |
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| Interest | None | None |
Interest accrues daily and is credited and compounded monthly on the following tiers:
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Interest accrues daily and is credited and compounded monthly on balances greater than $500 |
Interest accrues daily and is credited and compounded monthly on the following tiers:
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Interest accrues daily and is credited and compounded monthly on the following tiers:
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| Service Charge | None | $8.00 maintenance fee if account balance falls below $250.00 on any day during the statement cycle | $8.00 maintenance fee if account balance falls below $500.00 on any day during the statement cycle | $3.00 charge for checks fee if more than 50 checks clear per statement cycle | $8.00 maintenance fee per statement cycle | $8.00 maintenance fee if account balance falls below $2,500.00 on any day during the statement cycle |
Fees may reduce earnings on accounts
The following services are available with all of our checking account products: Free Online Banking, free Bill Payment and free Instant Cash or Instant Cash & Check card (subject to customer qualification). Although Frandsen Bank & Trust does not charge a fee for its Instant Cash or Instant Cash & Check card, other transaction fees may still apply such as non-Instant Cash network transaction fees and transaction fees imposed by the owner of the automated teller machine. Ask a Customer Service Representative where you may use your card with no transaction fees.
* One box of standard checks per order – customer pays full price for non-standard checks
** One standard size safe deposit box – subject to availability
