Banking made simple
We offer simple, secure financial solutions tailored to your needs today and for the years ahead. Whether managing everyday banking or planning for the future, we’re here to support you with trusted guidance.
Personal Checking Account (without Interest)
$2.50 monthly service charge
Monthly service charge is waived with:
A minimum daily balance of $250
or
A minimum of 10 debit card transactions during monthly account cycle
- Unlimited check writing
- Online Banking
- Home Deposit
- Telephone Banking
- ATM Card AND Debit Card
- Electronic Bank Statement with images
Personal Checking Account (with Interest)
No monthly service charge with minimum daily balance of $1,000
or
or
$10 monthly service charge with minimum daily balance below $1,000
Earn interest on daily collected balance and credited to account monthly
- Unlimited check writing or use as a Savings account without restrictions
- Online Banking
- Home Deposit
- Telephone Banking
- ATM Card AND Debit Card
- Electronic Bank Statement with images
Certificate of Deposit
- Fixed Rate for 1 year term
- Interest credited quarterly
- Minimum $1,000 to open
- Bank penalties apply for early withdrawals
Other Services Available
- Bill Payment - $6.95 monthly or FREE with a minimum of 4 bill payment per month
- Paper Bank Statement - $4 per month per account
- Generations Gold Club - $4 per month
Non-Profit Checking Limited
- $2.99 monthly service charge
- 40 checks/withdrawals per month
- 20 deposits/credits per month
- 100 deposited items per month
- .25 cents per additional item
- Electronic Bank Statement with images
Free Debit Card Bank Account
- No Monthly Service Charge
- No minimum balance requirement
- FREE-Debit/ATM Card (combination)
- FREE-Electronic Bank Statement
- FREE-Mobile Banking
- FREE-Online Banking
- FREE-Home Deposit
- FREE-Telephone Banking
Commercial Checking
- No minimum balance required
- $9.99 monthly service fee
- .20 cents per debit/check
- .30 cents per credit
- .15 cents per deposited item
- Earnings Credit applied to offset service charge*
- Electronic Bank Statement with images
Special Checking Plus
- No minimum balance required
- $10 monthly service charge
- $35 account opening fee PLUS cost of initial check order
- Unlimited check writing
- Online Banking
- Home Deposit
- Telephone Banking
- ATM Card and Debit Card
- Electronic Bank Statement with images
Individual Retirement Accounts
Traditional, ROTH and SEP IRA options
IRA Certificate of Deposit
- Fixed Rate for 1 year term
- Interest credited quarterly
- Minimum $1,000 to open
- Bank penalties apply for early withdrawals***
IRA Savings Account
- Fixed Rate for 3 month term
- Interest credited quarterly
- Minimum $2,000 to open
- Additional Contributions allowed
- No bank penalty for early withdrawals***
Small Business Checking
No monthly service charge with minimum daily balance of $2,500
or
$10 monthly service charge with minimum daily balance below $2,500
- 80 checks/withdrawals per month
- 20 deposits/credits per month
- 200 deposited items per month
- .55 cents per additional item
- ATM Card and Debit Card
- Electronic Bank Statement with images
Basic Business Checking
- No minimum balance required
- $20 monthly service charge
- 40 checks/withdrawals per month
- 20 deposits/credits per month
- 100 deposited items per month
- .55 cents per additional item
- $40 account opening fee PLUS cost of initial check order
- ATM Card and Debit Card
- Electronic Bank Statement with images
Non-Profit Checking Analysis
- $4.99 monthly service charge
- .10 cents per debit/check
- .15 cents per credit
- .07 cents per deposited item
- Earnings Credit applied to offset service charge*
- Electronic Bank Statement with images
Additional Services Available
- ACH Processing
- ATM Placement Services
- Bill Payment
- Business Lending
- Cash Management
- Electronic Bank Statement-including images
- Escrow Accounts
- Home Equity Lines
- IOTA-Trust Accounts
- Live Chat Online
- MasterCard/Visa Credit Cards
- Mobile Banking
- Mobile Deposit
- Mortgage Lending
- Paper Bank Statement
- Private Banking
- Remote Check Deposit
- Safe Deposit Box Rental
This page contains basic information of accounts offered by FNBT Bank. Complete Truth & Savings disclosures of interest rates, terms and conditions can be obtained from any FNBT Bank office. (Revision Date 1.8.26)
*Earnings Credit is designed to offset service charge based on monthly average collected balance, less reserve requirement, which equals investable balance. Earnings Credit is set by FNBT Bank.
**Reg D: Account transactions may be limited by Regulation D under Federal Law. To comply with this rule, FNBT may uphold the federal limit of no more than SIX Reg D Transactions per statement cycle.
***IRA and HSA accounts are subject to IRA and IRS rules, restrictions and penalties.