FB&T Rewards Checking
FB&T Rewards Checking Unaffiliated

FB&T Rewards Checking

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Upgrade RewardsChecking 12 reviews
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05%
(Verified 07/21/2022)
Monthly Fee $0 - $7
Minimum Balance to Avoid Monthly Fee Starting at $1,500

FB&T Rewards Checking Review

FB&T Rewards Checking is offered by FB&T, founded in 1934 and based in Perry, OK. FB&T Rewards Checking is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. FB&T Rewards Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $7, but the fee is waived if you keep a minimum balance of $1,500.
  • No minimum initial deposit. There is no minimum balance required to open an account.
FB&T Rewards Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Only available in one state.
  • Monthly service charge.
FB&T Rewards Checking FAQ

Are checking accounts from FB&T federally insured?

No, your FB&T checking accounts are not insured by a federal insurance agency. This means that if FB&T were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does FB&T Rewards Checking offer?

FB&T Rewards Checking Rates & Terms
APY (Annual Percentage Yield) 0.05%

FB&T Rewards Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for FB&T Rewards Checking?

FB&T Rewards Checking does not require a minimum initial deposit.

FB&T Rewards Checking Minimums
Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee Starting at $1,500

What fees does FB&T Rewards Checking charge?

This account charges a monthly service fee of up to $7.

FB&T Rewards Checking Fees
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $4
Bank Teller Fee $0
Check Cashing Fee $0
Monthly Fee $0 - $7
Online Bill Pay Fee $0
Paper Statement Fee $2.50

What features and perks does FB&T Rewards Checking offer?

This account includes the following features:

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From FB&T

Choose The One That's Right For You! Rewards Checking, ATM Fee Refunds up to $4, $2 Reward for > 50 debit card purchases, $10 Reward for new FB&T Loan.


  Available in 1 state
Availabile in all of Oklahoma

Feature Breakdown

Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee Starting at $1,500
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $4
Monthly Fee $0 - $7
Paper Statement Fee $2.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Negative Balance Lookback Period 0 years
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.05%
(Verified 07/21/2022)

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