FNBD offers a variety of products and services to meet your needs. We believe banking is a relationship, not a transaction. Our experienced bankers will work with you to help you find the right account for you. 

PERSONAL CHECKING PRODUCTS

 

New Generation Checking

  • Minimum opening deposit: $25.00
  • O/D Privilege $500 (once requirements have been met)
  • No minimum balance required
  • No monthly service charge
  • 8 - Processed checks allowed per statement cycle, $3 charge thereafter
  • Insufficient funds charge: $25.00 per item
  • Stop payment charge: $25.00 per item
  • Free Debit card
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements

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Everyday Checking

  • Minimum opening deposit: $25.00
  • O/D Privilege $500 (once requirements have been met)
  • Monthly balance requirement $500 or combined balance requirement of $2000
  • $5.95 Monthly service charge if balance requirements are not met
  • 20 or less - Processed checks allowed per statement cycle, $0.10 each thereafter
  • Insufficient funds charge: $25.00 per item
  • Stop payment charge: $25.00 per item
  • Debit card: $1.00/month
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements

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Extra Checking

  • Minimum opening deposit: $25.00
  • O/D Privilege $500 (once requirements have been met)
  • No Minimum Balance Required
  • $11.95 Monthly service charge
  • Must Maintain a balance requirement of $100 in order to earn interest
  • Unlimited Checks
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements
  • Free Notary Service
  • Free Standard Checks (Customer pays on all subsequent orders)
  • Competitive rates

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Priority Checking

  • Minimum opening deposit: $25.00
  • O/D Privilege $500 (once requirements have been met)
  • Monthly Balance Requirement of $5000 or Combined Balance of $15000
  • $13.95 Monthly service charge if Balance requirements are not met
  • Must Maintain a balance requirement of $5000 in order to earn interest
  • Unlimited Checks
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements
  • Free Notary Service
  • Free Medallion Signature
  • Free Monthly Debit Card
  • Competitive rates

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Golden Checking

  • Minimum opening deposit: $25.00
  • O/D Privilege $500 (once requirements have been met)
  • Monthly Balance requirement of $100
  • $5.95 Monthly service charge if Balance requirements are not met
  • Unlimited Checks
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements
  • Free paper statement with images
  • Free 1st order of Standard Checks  (1 box per month) (Customer pays on all subsequent orders)
  • Free Monthly Debit card
  • Insufficient funds charge: $25.00 per item
  • Stop payment charge: $25.00 per item

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Student Checking

  • Minimum opening deposit: $25.00
  • Must be a Student and/or Adult must be on the account
  • O/D Privilege $500 (once requirements have been met)
  • No minimum balance required
  • Unlimited check writing
  • No monthly fees
  • Free online banking and Bill Pay
  • Free E-Statements
  • Free Paper Statement with images
  • Insufficient funds charge: $25.00 per item
  • Stop payment charge: $25.00 per item

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Now Accounts

  • Minimum opening deposit: $2,000.00
  • O/D Privilege $500 (once requirements have been met)
  • Monthly account maintenance fee with balance of $2000.00 or more or $5000.00 to avoid all fees
  • $7.50 Monthly service charge if Balance requirements are not met
  • Must Maintain a balance requirement of $1500 in order to earn interest
  • 20 or less - Processed checks allowed per statement cycle, $0.15 each thereafter
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements
  • Free Paper Statement with images
  • Insufficient funds charge: $25.00 per item
  • Stop payment charge: $25.00 per item

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Health Savings Account (HSA)

  • Minimum Opening Deposit: $50.00
  • Minimum Balance to Avoid Service Charge: $1,500.00
  • Monthly Service Charge: $2.50  (if balance falls below minimum)
  • Minimum Balance to Earn Interest: $1,500.00
  • Free Debit Card
  • Free Online Banking, Bill Pay, and Fone 1st
  • Free eStatements

      Learn more about opening an HSA with FNBD!

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**For all money market accounts - Federal regulations limit withdrawals to six for each statement cycle by check, draft, debit card or similar order made payable to a third party. Unlimited transfers in person. Excessive withdrawals will result in account closure or conversion to a transaction account.