Checking Comparison Chart
Select the FNBC Checking Account That Is Best for You:
| Type of Plan | FNBC Regular Checking | Free Checking | Student Choice Checking | Super Plus Checking4 | HiFi Checking4 | Rewards Checking4 | Passport Club Checking4 | School Spirit Checking | E-Free Checking | |
| Recommended if you want: | Our basic checking account with all the features. | No monthly fee - ever, where copies of your checks are stored safely at the bank. | An account just right for students with no service charge until age 23. | Our most popular interest bearing checking account. | A money market account with a limit of three checks and three transfers per month. | Free FNBC wallet style checks, discounted safe deposit box rental, no annual fee Credit Card², FREE Travelers Checks, FREE Cashiers Checks, FREE Notary Service and Discounted consumer loan rates² as well as a variety of great discounts and premiums. | This account is a higher balance account that earns a higher interest rate based on balance tiers. | An account that helps contribute money back to your local school. $10 will be contributed back to a school of your choice when you open an account and a $1.00 donation made to the school each time a new check order is made. | An account with no monthly service fees, no minimum balance required, and the opportunity to earn high interest. | |
| Monthly Service Charge | $6 or free if you're age 55 or over | $0 | Free until age 23 | $8 | $10 | $8 or $5for member age 50 and over | $15 | $0 | $0 | |
| Minimum Daily Balance to Avoid Service Charge | $500 | $0 | $0 | $1,000 | $1,000 | $0 | $2,500 | $0 | $0 | |
| Minimum Opening Deposit | $0 | $0 | $0 | $0 | $0 | $100 | $2,500 | $100 | $100 | |
| Interest Rate/Annual Percentage Yield (APY) as of 12/04/2007¹ | n/a | n/a | n/a | This is a variable rate which is .20% with an APY of .20%. | This is a variable rate which is 1.00% with an APY of 1.00%. | Interest paid on daily balances over $1000³ | Based on balance tiers. | n/a | 54.00% | |
| Check Images with Statement | Yes | No | No | Yes | Yes | Yes | Yes | Yes | Yes | |
| Unlimited Check Writing | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes | |
| Outstanding Features Available With All of Our Checking Accounts | Free statement organizer; FDIC insured; FREE ATM card, FREE 24-hour telephone account access; free FNBC Check Card when used a minimum of four times per month (different requirements apply to E-Free checking); FREE Internet Banking Billpay Services; combined statement available at no additional cost. | |||||||||
| Type of Plan | FNB Regular Checking | Free Checking | Student Choice Checking | Super Plus Checking4 | HiFi Checking4 | Rewards Checking4 | Passport Club Checking4 | School Spirit Checking | E-Free Checking | |
¹
Contact First National Banking Company at (870) 994-2311 or (888) 435-BANK(2265)
for current rates.
²
Must meet certain FNBC approval requirements.
³
Interest paid when a $1,000 or more balance is maintained, no interest
earned if balance drops below $1,000 anytime during the statement cycle.
4 Fees may reduce earnings.
5To earn interest, account holders
agrees - 1) To use your FNBC Visa check/debit card at least 12 times per
statement cycle excluding ATM transactions. 2) Agree to accept all
monthly statements and disclosures by email. Valid E-mail address
required. Failure to follow any of the terms in this agreement forfeits
any interest earned for that statement cycle. Consumer Accounts only.
