You 1st Platinum Checking - A highly competitive 1.25% APY - Annual Percentage Yield (Interest Rate of 1.24%) on the first $25,000 is paid on this account. No interest is paid on the balances above $25,000. (APY quoted as of March 1, 2018. Subject to change.)
- Minimum balance is $1500, $8 monthly service charge if balance falls below $1500
- FREE Debit MasterCard
- Free Checks
- Choose from Free E-Statements or Paper Statements sent via U.S. Mail
- Check images are provided online and as part of your monthly statement
- As with all our checking accounts you get FREE Online Banking, Mobile Banking, FNB FirstMobile app and more
- Your first 25 Online Bill Payments per statement cycle will be processed at NO CHARGE. Any Bill Payments in excess of the first 25 (per statement cycle) will cost 50 cents each.
- Open an account with $50.
Disclosure For All Interest Bearing Deposit Accounts
- The interest rate and Annual Percentage Yield (APY) are subject to change weekly.
- Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
- Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
- All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
- If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
- Effect of Fees: fees may reduce earnings.