|
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 other 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 Traveler Money 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 $250
- 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.)
- Free Quarterly Newsletter
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 Jefferson Pilot Securities Corporation)*., OR
- Have a $15,000 minimum credit limit on a Home Equity Loan.
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 Jefferson Pilot Securities Corporation, Member SIPC. Non-deposit investment products 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 Bank & Trust Company and Jefferson Pilot Securities Corporation are not affiliated.
Return to top
Interest Checking Account
Pays you interest and eliminates your fees with several balance options.
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:
- $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
Return to top
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.
Return to top
“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
Return to top
|
