Unlock the full potential of your everyday banking with our FNB Cash Back Checking account. Earn high interest rates up to 4.09% APY and manage your finances effortlessly with our suite of digital banking tools. With convenient locations in Henning, Ottertail, Battle Lake, Evansville, and Detroit Lakes, we make it easy for you to take advantage of perks like nationwide ATM fee refunds and no minimum balance required to earn rewards. Enjoy a checking account that puts cash back in your hands. Open your FNB Cash Back Checking account today!
Key Features
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Really High Interest
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ATM Withdrawal Fee Refunds*
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Debit Card
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Digital Banking
- Free checking that pays really high interest
- 4.09% APY* on balances up to $35,000
- 0.25% APY on balances over $35,000 depending on balance in account*
- 0.10% APY* if qualifications are not met
- Unlimited refunds on ATM withdrawal fees, nationwide (up to $4.99 per transaction)*
- No minimum balance to earn rewards
- No monthly service charge
- Free digital banking
- Free Visa® EMV debit card
- Unlimited check writing
- $100 minimum deposit to open
Bank Your Way to Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your FNB Cash Checking account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
Simple. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning big interest and nationwide ATM withdrawal fee refunds the very next month.
*APY=Annual Percentage Yield. APYs accurate as of 02/10/2023. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $35,000 receive APY of 4.09%; and (3) balances over $35,000 earn 0.25% interest rate on portion of balance over $35,000. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle follows the current statement cycle which ends the second Thursday of each month and starts the next business day. Transfers between accounts do not count as qualifying transactions. Limit one FNB Rewards checking account per SSN.
EFFECTIVE 6/9/23 FNB CASH, CASH BACK UPDATED QUALIFICATION INFORMATION: The following activities do not count toward earning account rewards: debit card transactions less than $5, ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.