Checking

Opportunity Checking 

Customers can enjoy a wide range of benefits including: financial advantages, security advantages, travel options and convenience. This interest-bearing, no minimum account is available for a low monthly fee and is perfect for the customer who wants more in a checking account.

  • No minimum balance

  • Earn interest on all balances

  • Monthly fee of $5.95 for benefits (seniors age 55 or better just $4.95 each month)

Additional Features:

  • Unlimited Check Writing

  • Free Checks (one box per order)

  • Free Single-Signer Traveler's Checks, Cashiers Checks and Money Orders

  • $10,000 Accidental Death Insurance

  • $2,500 Identity Theft Insurance

  • .25% Discount on Installment Loans*

  • 50% Discount on Home Equity Closing Costs*

  • Two foreign ATM rebates per month

  • Free Safe Deposit Box for one year

  • Local and National Dining Savings

  • Travel, Hotel and Recreation Discounts

  • Local and Online Shopping and Services Discounts

  • Emergency Travel and Roadside Assistance

  • Health Savings Program

        * Automatic payment from this account required

Privilege Plus Checking 

For our customers who are 55 or better, this interest-bearing account includes financial and social benefits in a "club" environment. In addition, customers receive Identity Theft Insurance and periodic "bonus CD rates."

  • $10,000 minimum in total deposit balances

  • $15 Monthly service fee if deposit balance falls below minimum

  • Earn interest on all balances

Additional Features:

  • Free Checks (one box per order)

  • Free Check Imaging

  • Membership in the Privilege Plus Club which includes: Quarterly Newsletter, Day Trips, access to a program manager and bonuses on CD rates

  • Free Opportunity Checking Benefits (see above)

  • Fee Rebate on First Investment Banking Transaction

Priority Plus Checking 

This premier checking account is designed for customers who maintain a strong relationship with the bank. It boasts higher rates at each tier of your account balance, as well as a number of added benefits, including free specialty checks, money orders, traveler's checks, free foreign ATM transactions, and more.

  • Minimum $50,000 (excluding CDs) in total deposit balances OR $50,000 in loan balances (excluding mortgage and commercial) OR $200,000 mortgage relationship

  • $25 Monthly service fee if requirements are not met

  • Earn interest on all balances. Three tiered interest levels; earn a higher yield on higher balances

Additional Features:

  • Free Checks (one box per order)

  • Free Opportunity Checking Benefits (see above)

  • Rate Bonuses on CD's, Savings, Money Market and HELOCs

  • Free Estate Planning and/or Investment Review with FNBT Financial Specialist

  • Fee Rebate on First Investment Banking Transaction

  • Reimbursements on all ATM fees


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Priority Checking
Earn a higher interest rate, and still write checks to pay your monthly bills. And, for those who can maintain a higher minimum balance, or use two of our convenient electronic services, this account comes with no monthly service fee.

  • $5,000 minimum balance in the Priority Checking account or usage of at least 2 of the following electronic services - Direct Deposit, Direct Debit (including Bill Pay), E-Statements

  • $15 Monthly service fee if requirements are not met

  • Earn interest on all balances

Additional Features:

  • One Box of Free Specialty Checks Annually

Totally Free Checking

If you have basic check writing needs, and don't want the hassle of minimum balances, this account is for you.

  • No Minimum Balance

  • Unlimited Check Writing

  • No Monthly Service Fees

Teen Checking

If you're a 16 or 17 year old teen looking to take a step towards financial independence, this account has all the perks you'll want. 

  • No Minimum Balance

  • E-Statement, Debit/ATM Card and FirstNet Online Banking required

  • Unlimited Check Writing

  • No Monthly Service Fees

  • High School Logo Checks available for purchase (limited designs)

Bonus Benefits 

A package of additional benefits available to add to Totally Free Checking or Priority Checking for a low monthly fee of $3.95.

  • Free Checks (one box per order)

  • Payment Card and Personal Identity Protection

  • Local and National Dining Savings

  • Local and Online Shopping and Services Discounts

  • Travel, Hotel and Recreation Discounts

  • Emergency Travel and Roadside Assistance Services

  • $5,000 Accidental Death Insurance

 


Money Market Accounts

First Money Market

  • $2,500 required to open account and avoid service fee

  • $6 Service fee if balance falls below minimum

  • Maximum of 6 pre-authorized or electronic withdrawals

  • Monthly imaged statements

  • Automatic transfers available from other FNB accounts

  • .25% rate increase with setup of automatic transfer

  • Pays compound interest credited monthly

  • ATM card

  • Net Banc & Telebanc

  • Checks may be purchased

  • Four-tiered interest yield levels

  • $1 Foreign ATM withdrawal fee

Matrix Money Market

  • Minimum balance to avoid monthly service fee $2,500

  • Service fee if balance falls below minimum $6

  • $10,000 minimum to open

  • Matrix Money Market designer checks FREE

  • Unlimited deposits

  • Unlimited in person withdrawals

  • Six-tiered interest yield levels

  • Maximum 6 preauthorized or electronic withdrawals, no more than 3 by check, per statement cycle

 


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