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.
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.
Interested in a return on your deposit? Sapphire Checking is the perfect solution for customers who prefer to earn interest on their money.
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.
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.
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)