Checking Menu
To report a lost or stolen Visa Check Card during normal business hours, call your local branch office. After normal business hours, call (800) 523-4175.
Personal Checking Accounts
1912 Charter Club
The 1912 Charter Club, our premier checking package, gives you a full range of free and discounted banking services with your special relationship with Four Oaks Bank.
Service Features
- Open with as little as $100
- Interest Checking
- Distinctive Club checks and cover at no charge to you, or discount toward another check style
- Free Personal Internet Banking with unlimited bill payments
- Discounted rates on personal loans
- 3 X 5 Safe Deposit Box at no charge (when available, or credit toward a larger box)
- No fee TravelMoney Cards
- No fee Cashiers Checks
- Free Visa Check/ATM Card
- Free Notary Service
- One Visa or MasterCard credit card with no annual fee (normal credit approval applies)
- Free Credit Card Protection Service:
- Special Card Protection
- Emergency Cash up to $300
- Emergency Airline Tickets
- Free Accidental Death Insurance up to $100,000 on common carriers or up to $200,000 on scheduled airlines (Coverage divided equally for joint account owners)
To Qualify:
- Keep a $2,500 minimum daily balance in a Regular Savings Account, OR
- Keep a $5,000 minimum daily balance in a combination of the Club Checking Account, Savings Accounts, Certificates of Deposit, IRAs, Money Market Savings and/or Super Money Market Savings accounts, OR
- Keep $10,000 minimum daily balance in Financial Services accounts (investment accounts offered through Lincoln Financial Securities Corporation)*, OR
- Have a $15,000 minimum credit limit on a Home Equity Line
Maintain at least one of the qualifiers above to avoid monthly maintenance and item fees. Otherwise, the following fees will apply:
Monthly maintenance fee - $18
Per check or electronic debit item $.40
* Investments and advisory services offered through registered representatives of Lincoln Financial Securities Corporation, Member SIPC. Insurance offered through Lincoln affiliates, Four Oaks Financial Services, The Carolinas Financial Network and other fine companies. Non-deposit investment products are not deposits and are not federally (FDIC) insured, involve investment risk, may lose value, and are not obligations of (or guaranteed by) Four Oaks Bank & Trust Company. Four Oaks Financial Services and Four Oaks Bank & Trust Company and Lincoln Financial Securities Corporation are separate entities.
Interest Checking Account
Pays you interest and eliminates your fees with several balance options.
Service Benefits
- $100 minimum opening deposit
- $10 monthly maintenance fee
- $.40 per check or electronic debit
- Unlimited check writing
- Balance Options to avoid monthly maintenance and per check or withdrawal fees:
- $700 minimum daily collected balance in checking, OR
- $1,000 minimum daily balance in a Regular Savings Account, OR
- $5,000 minimum daily balance in CD's or IRAs
Regular Checking
Gives you several balance options while helping you track your expenses.
Service Benefits
- $100 minimum opening deposit
- $9 monthly maintenance fee
- $.40 per check or electronic debit
- Unlimited check writing
- Balance Options to avoid monthly maintenance and per check or withdrawal fees:
- $500 minimum daily balance in checking, OR
- $500 minimum daily balance in a Regular Savings Account, OR
- $4,000 minimum daily balance in CD's or IRAs, OR
- Have Direct Deposit of Social Security, Pension, VA Benefits or Payroll, OR
- Full-time students (check safekeeping is required), OR
- Non-profit organizations
“FREE” Checking
Absolutely, positively, no-strings-attached, FREE checking.
Service Benefits
- $100 minimum opening deposit
- No minimum balance requirement after initial deposit
- No monthly maintenance fee
- No per debit item fee
