Checking Accounts

Checking Accounts

Checking Account Types

If you want to earn the best rate of any FNB of Central Alabama checking account and prefer to do most of your banking electronically, then Kasasa Cash Checking is the account for you!

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  • A Great Interest Rate on Your Checking Account Balance up to $15,0001
  • ATM Fee Refunds Nationwide1
  • Free Online Banking with Bill Pay
  • Unlimited Check Writing
  • No Monthly Service Charge or Minimum Balance

Minimum Opening Deposit: $50

1 To qualify for the Kasasa Cash Checking interest rate and to be reimbursed for non FNB of Central Alabama ATM transaction fees up to $20 per qualification cycle, you must meet the following requirements each qualification cycle: 1) Receive your monthly statement by electronic eStatement via the internet 2) Access Online Banking at least once 3) Make 12 debit card purchase transactions that post and clear (does not include ATM transactions).  Any ATM receipt of an individual ATM fee of $5.00 or higher will not be automatically reimbursed and must be presented to the bank for reimbursement no later than 90 days after the reimbursement was applicable.  If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning a minimum rate, however it will not receive ATM refunds for that time period. Interest rates are variable and subject to change.  At our discretion we may change the qualification requirements and/or balance tiers at any time.  A 30-day notice will be provided for qualification changes. Kasasa Cash Powered by BancVue.

The qualification cycle is the period beginning the first Thursday of a month through the Wednesday prior to the first Thursday of the next month.  All three (3) qualifiers must be completed and transactions must post and clear to your Kasasa Cash Checking account by the last date of the qualification cycle.

If you want to earn cash back on your FNB of Central Alabama checking account and prefer to do most of your banking electronically, then Kasasa Cash Back Checking is the account for you!

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  • 2% Cash Back on Your Debit Card Purchases up to $300¹ Purchases
  • ATM Fee Refunds Nationwide¹
  • Free Online Banking with Bill Pay
  • Unlimited Check Writing
  • No Monthly Service Charge or Minimum Balance

Minimum Opening Deposit: $50

1 To qualify for the Kasasa Cash Back Checking rewards and to be reimbursed for non FNB of Central Alabama ATM transaction fees up to $20 per qualification cycle, you must meet the following three requirements each qualification cycle: 1) Receive your monthly statement by electronic eStatement via the internet 2) Access Online Banking at least one time 3) Make 12 debit card purchase transactions that post and clear (does not include ATM transactions). Any ATM receipt of an individual ATM fee of $5.00 or higher will not be automatically reimbursed and must be presented to the bank for reimbursement no later than 90 days after the reimbursement was applicable.  If you do not meet the three requirements per qualification cycle, your account will still function as a free checking, however it will not receive the 2% cash back on debit card purchases up to $300, and will not receive ATM refunds for that time period. ATM withdrawals are not qualifying transactions.  At our discretion we may change the qualification requirements.  A 30-day notice will be provided for qualification changes. Kasasa Cash Back Powered by BancVue.

The qualification cycle is the period beginning the first Thursday of a month through the Wednesday prior to the first Thursday of the next month.  All three (3) requirements must be completed and transactions must post and clear to your Kasasa Cash Back Checking account by the last date of the qualification cycle.

With a great package of benefits and a predictable monthly service charge, Medallion Checking is a GREAT value!

Account Features

  • $7 Monthly Service Charge
  • Unlimited Check Writing
  • Free Online Banking with Bill Pay
  • Free Debit MasterCard® with approval
  • ATM Fee Refunds Nationwide¹
  • Free Monthly Image Statement (E-Statement Available)
  • Free Personalized Medallion Checks (one box per order)
  • First Year Free on new Safe Deposit Box (Small box or credit toward larger box – subject to availability)
  • Free Money Orders & Cashiers Checks²
  • Free Stop Payments
  • Credit File Monitoring3
  • 3-in-1 Credit Report3
  • Credit Score3
  • Fully Managed Identity Theft Resolution Services
  • Identity Information Management Program
  • Identity Theft Recovery Case Plan
  • Up to $5,000 Identity Fraud Expense Reimbursement Coverage4
  • Up to $5,000 of 24-hour Accidental Death & Dismemberment Insurance5
  • Cellular Telephone Protection6
  • Gas and Gift Card Discounts7

Minimum Opening Deposit: $50

1 Present ATM receipts paid within 90 days at any FNB of Central Alabama office to receive refund. 2 Up to three total per month.  3 Registration/Activation required.  4 Identity theft insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG).  Please refer to actual policy for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.  5 Plateau Insurance Company of Crossville, TN will be our Accidental Death & Dismemberment Insurance underwriter.  6 Guide to benefit provided at account opening.  7 Terms and Conditions apply.

Insurance product is not insured by FDIC or and Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Interest Checking is a great solution if you want to earn interest on your checking account balance and have an array of enhanced services.

Account Features

  • No Monthly Service Charge when maintaining $800 Daily Collected Balance ($7 Monthly Service Charge when balance requirement is not met)
  • Interest Paid on Daily Collected Balances of $1,000 or more
  • Interest Compounded and Credited Monthly
  • Unlimited Check Writing
  • Free Online Banking with Bill Pay
  • Free Debit MasterCard® with approval
  • ATM Fee Refunds Nationwide¹
  • Free Monthly Image Statement (E-Statement Available)

Minimum Opening Deposit: $800

1 Present ATM receipts paid within 90 days at any FNB of Central Alabama office to receive refund

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