Rewards Checking

First National Banking Company's Rewards Checking Account entitles you to participate in the most exciting value club program in the country. Rewards Checking offers you a whole new way to save on financial services and so much more for a small $8 monthly fee. The service fee is lowered to $5 for our customers who are age 50 and over. As a Rewards Checking member, you and your family will save like never before. Vacations become reality; grocery bills go down; prescriptions become affordable; telephone calls are discounted; even banking services cost less. And that's just the beginning! The Rewards Checking program is designed to help you and your family live better for less. Start saving today! FNBC has selected Generations Gold, Inc., a fully independent third party service provider, to provide travel and other discount services on an exclusive basis directly to Rewards Checking Members. Look at these great benefits.

• Full Service Travel - Our full service travel network offers an entire spectrum of travel options and destinations, from local weekend get-a-ways to exotic tropical island vacations. Let your imagination run wild. We will help make your dreams come true with fantastic travel values. Our computerized, state-of-the-art reservation, ticketing and information center guarantees you the LOWEST PUBLISHED AIR FARE available at the time of booking as well as a 3% CASH REBATE*. in addition, you'll receive special personalized service like never before!:
  • Air Travel - Guaranteed lowest rates, 3% rebate, plus $100,000 automatic flight insurance. Rebates are automatically mailed 30 days after completion of travel.
  • Exciting Family Travel - Regional, National and International trips designed especially for your family. Plus a 3% automatic cash rebate!
  • Cruise Destinations - Around the world or just for a day. You'll be sure to get the best deal plus a 3% automatic cash rebate!
  • Group Tours & Events - From local area motorcoach excursions to escorted International tours. Enjoy incredible savings on specially arranged group trips and events.
  • Select Car Rentals - 15 to 30% off.
  • Hotel Accommodations - 5 to 50% off in every price range and at virtually an location in the world.
  • Vacation Specials - Be sure to visit www.generations-gold.com and click on "Search for Vacation Specials". This exciting feature presents fantastic up to the minute travel offers from local weekend get-a-ways to vacations around the world. In addition, take advantage of our special custom search engine that helps you find just what you're looking for.
  • Condominium Vacations -  We can send you and your family to one of the most desirable vacation destinations in the world for 7 days and 7 nights. Starting at just $350 for an entire week*.
• Health Services - With Generations Gold, you and your family will receive special pricing and valuable health service discounts from the most trusted names in health care today!
  • Pharmacies - Call a Rewards Checking Service Specialist for a list of participating pharmacies in your area.
  • Vision Care Plans - With Cole Vision, your entire family can save hundreds on eye care! 10% - 60% discounts on lenses and frames, $5.00 - $10.00 off eye exams and you can even save up to $500 on Lasik!
  • Hearing Care - Beltone offers a free hearing exam plus a 15% discount on all hearing aids, services and accessories at over 3,000 providers.

• Consumer Protection Program - As a Generations Gold member, most new purchases you make are automatically covered against loss due to damage from fire or theft (even from vehicles) for 90 days from the date of purchase at no additional cost to you. In addition, most new consumer merchandise you buy is now covered through Generations Gold by an Extended Warranty which extends the manufacturer's original warranty, for up to one additional year - at no additional charge!
• Consumer Action Team - Your personal consumer advocate is just a free phone call away! You never have to feel like you have been taken advantage of again! From now on, as a Rewards Checking member, you have access to the Consumer Action Team.

• Long Distance Telephone Service - The Generations Gold long distance service offers you no monthly service fee, no monthly minimum, no cost to switch over from your current carrier, 24-hour customer service, no extra numbers to dial, billed in 1 minute increments and very competitive rates. We also offer inbound 800 service, call for more information.
• Pre-paid Phone Cards - We have teamed up with AT&T to bring you pre-paid phone cards at an unbeatable rate!** There is NO CONNECTION FEE or any HIDDEN CHARGES. The cards are for primary members only and there is a 3 card per account per month limit.

• Credit Card Registration Protection - Register all of your credit cards with our Credit Card Protection Agency.
• Treat the Family -Your membership entitles you to register up to five additional family members, who reside outside of your financial institution's service area, as complimentary members at no additional charge. Enable your family members to "live better for less"!
• Optional Services Available at Low Cost to Generations Gold Members:
  • 24-Hour Road Service
  • Student Grant Locator Service
  • Veterinary Pet Insurance
  • Comprehensive Dental Coverage
  • Consumer Protection
  • Basic Life, Term Life, Universal Life, Long-Term Care and Individual Health Insurance
  • Internet Grocery Coupon Club
  • National Restaurant Discounts
  • Family Movie Ticket Discounts
  • Personal Emergency Response System
  • Internet Access
  • Great Gifts for Less
  • Theme Park & Major Attraction Discounts
  • City Pass Discounts
  • Sam's Club Discounts
  • Costco Savings

*Travel discounts are based on availability. Some black-out dates and restrictions apply.
**Rates subject to change. There will be a surcharge on calls made from pay phones. International flat rates are higher than US domestic flat rates and differ according to destination called. Call times are billed in one minute increments.