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 last working day of the month and ending the day prior to the last working day 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.

Having a check returned due to insufficient funds can be a costly experience. Overdrafts can be created on a checking account by: paper checks, personal withdrawals, ACH or other electronic means and will result in a NSF Returned Item fee of $35 per item returned or NSF Paid Item fee of $35 per item paid.  With Our ACE Overdraft Protection, funds are transferred from a line of credit to your checking account to cover payment.  You’ll have the peace of mind knowing you have an extra level of protection against account reconciliation errors and unanticipated cash flow emergencies. The ACE Overdraft Protection allows you to write checks for an amount over and above the amount in your checking account.  You will be charged a small transfer fee to access your ACE account instead of creating an overdraft with an NSF Returned Item fee or NSF Paid Item fee.

FNB of Central Alabama does not encourage overdrawing your checking account. The ACE Overdraft Protection is a contractual courtesy available to personal checking accounts in good standing and is subject to approval.

Stop by any FNB of Central Alabama office to apply.

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