Rewards Checking
Better Than Free -- Earn 1.50% APY* on your checking balance each monthly qualification cycle!
It's not hard to find a free checking account these days. Here in Midwest City and the rest of the greater Oklahoma City area, just about every bank offers one. But we've got something even better.
With Rewards Checking, you can get a free high interest checking account that offers ATM fee refunds** nationwide, no minimum balance requirements and no monthly maintenance fees. That's free money -- just for doing your usual banking activities!
- Summary
- Earn 1.50 % APY* on balances up to $25,000
- Earn 0.15% APY* on balances over $25,000
- Earn base rate of 0.005% APY* if qualifications aren't met
- Nationwide ATM fee refunds (up to $25)**
- No minimum balance or monthly fees to earn rewards
- Unlimited check writing
- Free FNB VISA ® CheckCard
- Free Online Banking with Bill Pay
- Free eStatements
- UChoose Rewards Points
- Direct deposit available
- $100 to open
View the Rewards Checking demo
Qualifications
In order to earn 1.50% APY and receive ATM fee refunds, simply meet the following simple qualifications each monthly qualification cycle:
- Have 12 FNB CheckCard purchases post and clear the account
- Have 1 recurring direct deposit or debit post and clear the account
- Receive free, paperless eStatements
And if you don't qualify one cycle, don't worry -- the account still functions as a free checking account. You'll even earn our base rate of 0.005% APY for that cycle... and you can always get the rewards back the next cycle you qualify!
Details
*Annual Percentage Yield (APY). Rates as of February 1, 2012. All qualifications must be met per monthly qualification cycle to receive the rewards for that cycle. Rate tiers are as follows: 1.50% APY paid on balances between $0.01 - $25,000 and 0.15% APY paid on balances over $25,000 as long as the qualifications are met each cycle. If they are not met, interest will be paid at the base rate of 0.005% APY and the ATM fee refunds will not be reimbursed for that cycle. Rates may change after the account is opened. Fees may reduce earnings. All qualification transactions must be posted to the account during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made. An ACH transaction could either be a deposit or a withdrawal. Limit one account per social security number; personal accounts only. Minimum to open account is $100.
**All ATM fees generated by Automated Teller Machines located within the United States will be refunded (up to $25) when the qualifications are met each cycle. If the minimum activity is not met for 3 consecutive monthly qualification cycles the account will be converted to a Free Checking account with Electronic Statement delivery.
