MOOLAH CHECKING ACCOUNTS

Open an account today!

3.00% APY*

Bank with FNB and earn more! You’ll earn an incredible 3.00% APY* to make money work smarter for you. Plus, earn other rewards like refunded ATM withdrawal fees.*

Cash Back on Debit Card Purchases

You can call it “free money.” We call it Moolah Cash Back! No matter how hard we try to save, there’s always a need that requires yet another swipe on your Debit Card. It’s inevitable. So you might as well milk it for all it’s worth! This rewards checking account is designed to do just that… earn 3.00% cash back on debit card purchases.^

† There is a fee of $30 each time you access Overdraft Privilege. You can access Overdraft Privilege by writing checks, ACH, ATM, Debit/ POS, in-person withdrawals, internet banking, pre-authorized automatic transfers, and telephone banking. You have 30 days to bring your account back to a positive balance or Overdraft Privilege will be suspended. Accounts that remain overdrawn for 45 consecutive calendar days will be closed and charged off. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts.

* APY = Annual Percentage Yield. APYs accurate as of 7/9/2021. Minimum to open is $100. Qualifications: You must have 15 posted and settled debit card purchases per monthly statement cycle. Only point-of-sale (POS) debit card transactions processed through a merchant qualify. ATM transactions are excluded. You must be enrolled to receive your monthly statements electronically. To qualify, you cannot receive paper statements. You must have at least one (1) automatic debit transaction each month setup through ACH or Bill Pay. If all qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to your account on the last day of the statement cycle; (2) balances up to and including $20,000 receive APY of 3.00%; and (3) balances over $20,000 earn 0.25% interest on the portion of the balance over $20,000, resulting in 3.00% to 0.71% APY depending on the balance. If qualifications are not met all balances earn 0.05% APY. Fees could reduce the earnings on the account. Qualifying transactions must post and settle during the monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. The advertised APY is based on compounding interest. Rates may change after account is opened. Limit one account per social security number.

^ Qualifications: You must have 15 posted and settled debit card purchases per monthly statement cycle. Only point-of-sale (POS) debit card transactions processed through a merchant qualify. ATM transactions are excluded. You must be enrolled to receive your monthly statements electronically. To qualify, you cannot receive paper statements. You must have at least one (1) automatic debit transaction each month setup through ACH or Bill Pay. If all qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to your account on the last day of the statement cycle; (2) 3.00% cash back on all POS debit card purchases with a maximum of $8 per statement cycle. If qualifications are not met, you will not receive any rewards. Qualifying transactions must post and settle during the monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. Rates may change after account is opened. Limit one account per social security number.