Military & Veteran Banking at FNB

Military & Veteran Banking at FNB


Providing support and financial assistance to active duty service members and veterans is one of the founding pillars of FNB Community Bank.

We have just the right checking account for you: Rewards Checking.

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Get a high 2.50% APY* on balances up to $10,000. That’s real cash in your account, every month. Even your ATM fees will get refunded, nationwide.* To qualify, just keep using your FNB debit card — plus do a few other banking basics you’re probably already doing.

In 2022, FNB Community Bank refunded over $210,000 in ATM fees to Rewards Checking customers who qualified for rewards!

We’d love for you to earn our highest rate...

Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

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Since FNB’s inception in 1943, the bank's primary mission has been to serve the banking needs of Midwest City, as well as Eastern Oklahoma County and Tinker Air Force Base. This continues to be the primary driving force behind the bank today. Being the oldest and most firmly established bank in the area, the bank has built a reputation of conservative soundness that has served the bank well.

Through the years our bank has enjoyed a higher quality leadership and staff than its competitors and has helped the bank maintain a major share of the local banking market.

Rewards Checking Account at FNB Community Bank

The Account Details:

  • Free checking that pays high interest
    • 2.50% APY* on balances up to $10,000
    • 2.50% to 0.01% APY on balances over $10,000 depending on balance in account*
    • 0.005% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free Visa® debit card with UChoose Rewards
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • Free telephone banking
  • Free mobile wallet services available
  • Kasasa Protect® fraud protection available
  • $100 minimum deposit to open

*APY=Annual Percentage Yield. APYs accurate as of 01/03/2023. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.01% interest rate on portion of balance over $10,000, resulting in 2.50% - 0.01% APY depending on the balance. If qualifications are not met, all balances earn 0.005% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 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.

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