Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Simple Checking

Perfect for students, seniors and everyone in between the following per cycle:

  • Direct Deposit/Mobile Deposit
  • 15 Debit Card Purchases (*)
  • Average Balance > $250
  • Automatic FB&T Loan Payment
  • Additional Deposit Acct w/ Avg Balance > $500 (†)
  • Under 21 (^)
  • 65 or Older (^)

Paper Statement Fee = $2.50
*Excludes ATM Transactions & POS Returns
†Additional account cannot be a Simple Checking Account
^Only 1 additional qualifier or e-statements

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Rewards Checking

ATM Fee Refunds up to $4 (t) $2 Reward for > 50 debit card purchases (*) $10 Reward for new FB&T Loan

Monthly service charge of $7 refunded with 4 of the following per statement cycle:

  • Direct Deposit/Mobile Deposit
  • 15 Debit Card Purchases (*)
  • Average Balance > $1,500
  • 5 Bill Pay or ACH Transactions
  • E-Statements
  • Automatic FB&T Loan Payment
  • Additional Deposit Account (^)

Paper Statement Fee = $2.50
*Excludes ATM Transactions & POS Returns
^Additional account cannot be a Rewards Checking Account
†Eligible with > 15 debit card transactions

interest checking icon
Interest Checking

Earn interest and receive a FREE paper statement

Monthly service charge of $10 refunded with the following per statement cycle:

  • Avg Deposit Balance > $50,000, OR
  • Avg Loan Balance > $50,000, OR with 4 of the following per statement cycle:
  • Direct Deposit/Mobile Deposit
  • 15 Debit Card Purchases (*)
  • Average Balance > $1,500
  • 5 Bill Pay or ACH Transactions
  • E-Statements
  • Automatic FB&T Loan Payment
  • Additional Deposit Account (^)

*Excludes ATM Transactions & POS Returns
^Additional account cannot be an Interest Checking Account

Checking Rates

Rates are effective as of May 9, 2025.RateAPY
Rates are effective as of May 9, 2025.
Interest Checking
Rate
0.20%
APY
0.20%