No matter your stage in life, your balance, or what features you prefer, we have an account that fits.
Slate Checking
The conveniences you expect from a checking account offered at your local community bank with the technology offered at larger banks. It’s the perfect account for individuals who only need the basics from a checking account.
- No minimum balance — free checking!
- Online Banking statements1
- Debit card
- Online and Mobile Banking
- Call first 24-hour banking
- Bill Pay4
- $100 minimum opening balance
Cobalt Checking
Add an extra layer of security for yourself and your family with IDProtect®¹. This product gives you access to 3-in-1 credit bureaus and credit monitoring, and allows you to monitor your credit cards and Social Security number. Users can sign up to receive text or email alerts promptly if fraud is detected.
- IDProtect2
- Debit card
- Online and Mobile Banking
- Call First 24-Hour Banking
- Bill Pay4
- $100 minimum opening balance
- $6 per month
Fee Buydown Options
- $3 waived for online banking statements
- $3 waived for using debit card for 15 point-of-sale purchases per statement cycle
- $3 waived for those 55+
- All fees waived with minimum daily balance of $5,000 or greater
Sapphire Checking
Interested in a return on your deposit? Sapphire Checking is the perfect solution for customers who prefer to earn interest on their money.
- Tiered interest3
- Online Banking statements1
- Debit card
- Online and Mobile Banking
- Call First 24-Hour Banking
- Bill Pay4
- $100 minimum opening balance
- $8 per month
- All fees waived with minimum daily balance of $5,000 or greater
SapphirePLUS Checking
SapphirePLUS is a checking account that really shines! This account is perfect for individuals looking for a higher return on their everyday checking account. Earn 4.00% APY on balances up to $20,000 and 1.00% APY on balances above $20,000 by simply using your debit card 15 times and receiving one direct deposit of at least $250 per statement cycle. ⁸
- Tiered interest ⁸
- Unlimited deposits
- Online Banking statements1
- Debit card
- Online and Mobile Banking
- Call First 24-Hour Banking
- Bill Pay4
- $500 minimum opening balance
- $8 per month
- All fees waived if $5,000 minimum daily balance is met
FNBC Money Market
The FNBC Money Market account allows you to earn higher interest while having easier access to your money. It is a great way for customers to assess their options and to invest money for the future, all while generating tiered interest.
- Tiered interest3
- Unlimited deposits
- Online Banking statements1
- Debit card
- Online and Mobile Banking
- Call First 24-Hour Banking
- Bill Pay4
- $100 minimum opening balance
- $10 per month
- All fees waived if $1,000 minimum daily balance is met
Topaz Checking
Part of the National Bank On Coalition, Topaz Checking is a checkless account designed to give you the digital banking tools you need with a set monthly fee.
- No minimum balance
- Online Banking statements5
- No overdrafts or overdraft fees6
- Debit card
- Online and Mobile Banking
- Call First 24-Hour Banking
- $25 minimum opening deposit
- $5 monthly fee
- No checks7
Disclosures
¹ Customers who require a paper statement will be charged a $3.00 monthly fee unless a $5,000.00 minimum daily balance is met on Slate, Cobalt and Sapphire accounts. Customers who require a paper statement will be charged a $3.00 monthly fee unless a $1,000.00 minimum daily balance is met on FNBC Money Market accounts.
² IDProtect® service is a personal identity theft protection service available to Cobalt Checking account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or church and their members, schools and their employees/students.
³ Interest rates are subject to change. Please call 870-994-2311 for most current rates.
⁴ If enrolled in Bill Pay, each user may have a $5.00 inactivity fee imposed each statement cycle unless used once within the cycle.
⁵ Customers in Topaz Checking who require a paper statement will be charged a $2.00 monthly fee.
⁶ Transactions will be declined and returned unpaid when there is not enough money in the account. Customers may be assessed a return item charge or fees from the merchant.
⁷ Customers cannot write checks (paper or electronically generated) on this account. All checks will be returned unpaid, even if the funds are in the account. (Topaz Checking)
⁸ SapphirePLUS Checking tiered rate account. Tier 1 rate of 4.00% Annual Percentage Yield paid on balances up to $20,000.00. Tier 2 rate of 1.00% APY paid on balances above $20,000.00. Default rate of 1.00% APY paid on all balances when qualifications are not met. To earn Tier 1 rate, account holder must complete 15 point-of-sale debit card transactions and receive one recurring ACH direct deposit of $250.00 or greater during each statement cycle. Opening deposit of $500 required. Rate valid as of 7/1/2023 and guaranteed not to decrease through 3/31/24. Rates are subject to change after 3/31/24. One account per person per household. Fees may reduce earnings. The Tier 1 rate will not be applicable until the first full statement cycle.
