Business Accounts
Checking Options
| Details
|
Regular Business Checking
|
Non-Profit
|
Business NOW Account
|
Account Analysis*
|
| Minimum To Open
|
$200
|
$200
|
$200
|
$200
|
| Monthly Service Charge
|
$8
|
$8
|
$12
|
$20 (plus cost of usage)
|
| Monthly Service Charge Waived For
|
$500 Balance
|
$500 Balance OR 501(c)(3) Documentation
|
$1,000 Balance
|
Offset credit. Credit based on Federal Funds Rate.
|
| Paper Statements
|
$3,waived with electronic statement
|
Free with 501(c)(3) Documentation or $3, waived with electronic statement
|
No Charge
|
No Charge
|
| Interest Earned
|
No
|
No
|
**Yes
|
Credit towards usage charges
|
| Optional Sweep Protection
|
$1 per occurrence
|
$1 per occurrence
|
$1 per occurrence
|
$1 per occurrence
|
| Additional Benefits
|
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|
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Ability to offset monthly service charge AND additional product usage charges with credit given on balances. Combined statements.
|
*Accounts are subject to Account Analysis fee structure by industry type or FNB discretion based on account usage.
Account is charged according to products/services used. Account balances earn credit based on the Fed Funds Rate to go towards these costs. The credited amount may offset all charges (excluding NSF/Overdraft Fees).
**Interest will not be paid if your daily balance drops below $1,000.00
Print a New Account Application
PDF, fill out and bring in to one of our branches along with your initial deposit today!
Bank Divider
Savings Options
See an FNB Account Representative for more information on our Money Management System.
Consumer Accounts
Checking Options
| Details
|
EChecking
|
Pioneer Checking
|
Regular Checking
|
Student Account
|
Senior Checking (Age 62+)
|
NOW Account
|
Texas Tradition
|
| Minimum To Open
|
$100
|
$100
|
$200
|
$100
|
$100
|
$200
|
$200
|
| Monthly Service Charge
|
$8
|
$5
|
$8
|
$5
|
$0
|
$12
|
$15
|
| Monthly Service Charge Waived For
|
20+ debit card transactions monthly
|
N/A
|
$500 Balance
|
Documentation of students 13 or older taking 12 or more hours
|
N/A
|
$1,000 Balance
|
$5,000 Balance (all personal checking, savings & MMKT’s combined)
|
| Paper Statements
|
Not offered with this account. Automatic enrollment in E-Statements
|
$3,waived with E-Statements
|
$3, waived with E-Statements
|
$3,waived with E-Statements or documentation
|
No Charge
|
No Charge
|
No Charge
|
| Interest Earned
|
No
|
No
|
No
|
No
|
No
|
*Yes
|
*Yes
|
| Additional Information
|
Checks are not provided with this account free of charge
|
First box of wallet bank stock checks provided at no charge
|
First box of wallet bank stock checks provided at no charge
|
First box of wallet bank stock checks provided at no charge
|
2 boxes of wallet bank stock checks PER YEAR at no additional charge
|
First box of wallet bank stock checks provided at no charge
|
Free domestic wire transfers, money orders, startup checks, cashier’s checks, notary & medallion stamp guarantee, customized cards and all FNB ATM fees are waived
|
*Balance requirements must be met in order to receive interest
Bank Divider
Savings Options
| Details
|
Regular Savings
|
Money Market
|
First Star Money Market
|
| Monthly Service Charge
|
$5
|
$10
|
$20
|
| Balance To Avoid Service Charge
|
$100
|
$2,500
|
$10,000
|
| Interest
|
Yes
|
Yes
|
Yes
|
| Paper Statements
|
Quarterly Statements
|
Monthly Imaged Statements
|
Monthly Imaged Statements
|
| Opening Deposit
|
$50
|
$2,500
|
$2,500
|
Bank Divider
Certificate Options
Bank Divider
IRA Options
*CD, IRA, and other deposit types available upon request
Included with every FNB consumer savings account:
- Online banking
- Mobile banking
- Text banking
- e-statements
Open an account online today!