Checking Comparison Chart
Select the FNBC Checking Account That Is Best for You:
Basic Accounts
| Type of Plan | FNBC Regular Checking |
Free Checking | Student Choice Checking |
School Spirit Checking |
| Recommended if you want: | Our basic checking
account with all the features. |
No monthly fee. Copies of your checks are stored safely at the bank. |
An account just right for students with no service charge until age 23. |
An account that helps contribute money back to your local school. |
| Monthly Service Charge | $6 or free if
you're age 55 or over |
$0 | Free until age 23 | $0 |
| Minimum Daily Balance to Avoid Service Charge | $500 | $0 | $0 | $0 |
| Minimum Opening Deposit | $0 | $0 | $0 | $100 |
| Check Images with Statement | Yes | No | No | Yes |
| Unlimited Check Writing | Yes | Yes | Yes | Yes |
Interest Bearing Accounts
| Type of Plan | Super Plus Checking4 | HiFi Checking4 |
Rewards Checking4 |
Passport Club Checking4 | E-Free Checking |
First Choice Money Market |
| Recommended if you want: | Our most popular interest bearing checking account. | A money market account with a limit of three checks and three transfers per month. | Offers you a whole new way to save on financial services and so much more | This account is a higher balance account that earns a higher interest rate based on balance tiers. | High interest account No paper statement. | Tiered interest bearing account offering higher interest rates. |
| Monthly Service Charge | $8 | $10 | $8 or $5 for member age 50 and over | $15 | $0 | $15 |
| Minimum Daily Balance to Avoid Service Charge | $1,000 | $1,000 | $0 | $2,500 | $0 | $2,500 |
| Minimum Opening Deposit | $0 | $0 | $100 | $2,500 | $100 | $2,500 |
| Interest Rate/Annual Percentage Yield (APY) as of 10/28/2008¹ | 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 |
51.98% interest rate with an APY of 2.00% | Based on balance tiers |
| Check Images with Statement | Yes | Yes | Yes | Yes | Yes | Yes |
| Unlimited Check Writing | Yes | Yes | Yes | Yes | Yes | No |
| 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. |
| Amount |
Interest Rate |
APY |
| $2,500 to $24,999.99 | .65% | .65% |
| $25,000 to $49,999.99 | 1.35% | 1.36% |
| $50,000 to $74,999.99 | 1.52% | 1.53% |
| $75,000 plus | 1.59% | 1.60% |
| Amount |
Interest Rate |
APY |
| $2,500 to $9,999.99 | 0.75% | 0.75% |
| $10,000 to $24,999.99 | 1.79% | 1.80% |
| $25,000 to $49,999.99 | 2.23% | 2.25% |
| $50,000 plus | 2.47% | 2.50% |
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.
