Personal Accounts FNB Hooker

Personal Accounts

Checking Account Comparison

	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Opening Balance Requirement	Flex Account $100.00	Basic Checking $100.00	Premier Checking $100.00	Interest Checking $1,000.00	Health Savings Account $100.00
	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Digital Services	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Free Online and Mobile Banking	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account x
Free Mobile Deposit	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account
Free Mobile Debit Card On/Off	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account x
Free Online Transfers	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account
Free Debit Card with Chip Technology*	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account x
Free Paperless Statements and Notices	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account x
	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Additional Account Options:	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Sweep Up Balance Transfer from Savings	Flex Account x	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account
Free Unlimited Check Writing	Flex Account	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account x
Paper Statements with Images	Basic Checking x	Premier Checking x	Interest Checking x	Health Savings Account x
Free Money Orders & Cashiers Checks	Flex Account	Basic Checking	Premier Checking x	Interest Checking x	Health Savings Account
Pays Interest on All Balances	Flex Account	Basic Checking	Premier Checking	Interest Checking x	Health Savings Account x
	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Account Fees and Service Charges:	Flex Account	Basic Checking	Premier Checking	Interest Checking	Health Savings Account
Monthly Fee	Flex Account $0.00	Basic Checking $0.00	Premier Checking $10.00**	Interest Checking $10.00	Health Savings Account $5.00
Balance to avoid Monthly Fee	Flex Account N/A	Basic Checking N/A	Premier Checking $500 or Avg Bal. of $800	Interest Checking Avg Bal. of $1,000	Health Savings Account Avg Bal. of $50.00
Paper Statement Fee	Flex Account $3.00	Basic Checking $3.00	Premier Checking $0.00	Interest Checking $0.00	Health Savings Account $0.00

*15.00 if instant issue is requested.
**Monthly Fee waived for persons 18 or under and 65 or older

Savings Account Comparison

	Savings Account	Money Market	Super Saver CD	Traditional CD	IRA/SEP/CESA
Minimum Balance	Savings Account $100.00*	Money Market $2,500.00	Super Saver CD $50.00	Traditional CD $1,000.00	IRA/SEP/CESA $50.00
	Savings Account	Money Market	Super Saver CD	Traditional CD	IRA/SEP/CESA
Pays Interest on All Balances	Savings Account x	Money Market x	Super Saver CD x	Traditional CD x	IRA/SEP/CESA x
Can Transfer to Checking (Limit of 6/mo)	Savings Account x	Money Market x	Super Saver CD	Traditional CD	IRA/SEP/CESA
Can Deposit Interest to Another Account	Savings Account	Money Market	Super Saver CD	Traditional CD x	IRA/SEP/CESA
	Savings Account	Money Market	Super Saver CD	Traditional CD	IRA/SEP/CESA
Account Fees and Service Charges:	Savings Account	Money Market	Super Saver CD	Traditional CD	IRA/SEP/CESA
Monthly Fee	Savings Account $2.00	Money Market $10.00	Super Saver CD $0.00	Traditional CD $0.00	IRA/SEP/CESA $0.00
Balance to avoid Monthly Fee	Savings Account $50.00	Money Market Average Balance of $2,500	Super Saver CD N/A	Traditional CD N/A	IRA/SEP/CESA N/A

*Minimum opening deposit waived for persons under 18 years old

Flex Account

Minimum opening deposit – $100.00
Free Online Banking
Free Debit Card, subject to approval*
Free Mobile Remote Deposit
Electronic Statements
No Monthly Service Charge
Optional Paper Statement $3.00/Month

Basic Checking (personal accounts only)

Minimum opening deposit – $100.00
Unlimited check writing
Free Debit Card, subject to approval*
N0 minimum balance required
No monthly service charge
Checks will be truncated (check images are not included in statements)
Copies of cancelled checks can be provided for $0.50 per item
Inactivity Fee – no use for 3 months – $5.00
Free Electronic Statements
Monthly Paper Statement Fee – $3.00 (paper statement is optional)

Premier Checking Account

Minimum opening deposit – $100.00
Monthly service charge (if balance falls below $500.00 or average balance below $800.00) – $10.00
Unlimited check writing
Free Debit Card, subject to approval*
Free Online Banking and Mobile Deposit
Check images included in statement
Free Electronic or Paper Statements with images
Free Money Orders and Cashiers Checks
Monthly service charge waived for individuals 18 or under and 65 or older

Interest Checking Account (NOW Account)

Minimum opening deposit – $1,000.00
Monthly service charge (if average balance falls below $1,000) – $10.00
Free Debit Card, subject to approval*
Free Online Banking and Mobile Deposit
Unlimited check writing
Free Electronic or Paper Statements with check images
Pays interest on all account balances
Free Money Orders and Cashiers Checks

Personal Savings Account

Minimum opening deposit – $100.00
Monthly Service Charge (if balance falls below $50.00) – $2.00
Pays interest on all account balances
Minimum opening deposit waived for individuals 18 and under

Personal Money Market Deposit Account

Minimum opening deposit – $2,500
Monthly service charge (if average balance falls below $2,500.00) – $10.00
Free Mobile Deposit
Pays interest on all account balances

Health Savings Account

Minimum opening deposit – $100.00
Free Debit Card, subject to approval*
Monthly service charge (if balance falls below $50.00) – $5.00
Pays interest on all account balances

Super Saver CD

Minimum opening deposit – $50.00
Add-On deposit during the term of CD
Pays interest on all account balances

Traditional CD

Minimum opening deposit – $1,000.00
Pays interest on all account balanaces

IRA/SEP/CESA

Minimum opening deposit – $50.00
Add-On deposits during the term on the CD
Pays interest on all account balances

*$15.00 Fee if Instant Issue card is requested.

Online Banking