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 Common Carrier Accidental Death Insurance up to $100,000 (Coverage divided proportionately among all account holders)

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.

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Interest Checking Account

Pays you interest and eliminates your fees with several balance options.

Service Features

  • $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

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Regular Checking

Gives you several balance options while helping you track your expenses.

Service Features

  • $100 minimum opening deposit - $25 for full-time students
  • $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

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“FREE” Checking

Absolutely, positively, no-strings-attached, FREE checking.

Service Features

  • $100 minimum opening deposit
  • No minimum balance requirement after initial deposit
  • No monthly maintenance fee
  • No per debit item fee

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Check-Free Banking

Check-Free Banking is designed for customers who like the convenience of unlimited withdrawals while reducing their ability to accidentally overdraw their account. 

If you are opening your first deposit account and not comfortable with balancing your account, or if you have had issues managing a checking account in the past, and would benefit from a deposit account that is structured in a way that reduces your ability to overdraw, Check-Free Banking may be for you.

Service Features

  • $100 minimum opening deposit
  • $11.95 monthly maintenance fee
  • No per check or electronic debit fee
  • Funds in this account are accessed with ATM or debit cards, Internet Banking BillPay, Touch-tone Teller and in-person withdrawal forms. 
  • No paper checks are issued or processed on this account except checks generated by BillPay. 

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