FB&T Simple Checking Reviews (Jan. 2021) | Checking Accounts

Highlights
Monthly Fee	$0 - $4
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	$250
APY (Annual Percentage Yield)	N/A

FB&T Simple Checking Review

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

Key Takeaways

Charges a monthly fee. This account charges a monthly maintenance fee of up to $4, but the fee is waived if you keep a minimum balance of $250.
Free bill pay. Pay your bills to practically anyone in the United States through FB&T.
Hard credit pull. FB&T may require a hard pull on your credit report to open a checking account.

FB&T Simple Checking Pros & Cons

Pros	Cons
Access to physical branches. Free debit card No charge on incoming domestic or international wire transfers.	No signup bonus. Does not earn interest. Does not offer mobile check deposits. Does not provide access to a nationwide ATM network. Only available in one state. Monthly service charge.

FB&T Simple Checking FAQ

Are checking accounts from FB&T federally insured?

Yes, your FB&T checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #13946). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does FB&T Simple Checking offer?

FB&T Simple Checking is not an interest bearing account.

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

FB&T Simple Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$
Minimum Combined Balance to Avoid Monthly Fee	$500
Minimum Balance to Avoid Monthly Fee	$250

What fees does FB&T Simple Checking charge?

This account charges a monthly maintenance fee of up to $4.

FB&T Simple Checking Fees
Description
Monthly Fee	$0 - $4
Paper Statement Fee	$2.50
ATM Fee: In-Network	N/A
ATM Fee: Out-of-Network	N/A
NSF Fee	N/A
Overdraft Protection Fee (per transfer)	N/A
Overdraft Item Fee	N/A
Early Account Closure	N/A
Returned Deposit Fee (Domestic)	N/A
Debit Card Replacement Fee	N/A
Bank Teller Fee	$0
Check Cashing Fee	$0
Online Bill Pay Fee	$0
Stop Payment Fee	N/A
Check Image Service	N/A
Check Copy	N/A
Foreign Transaction Fee (Debit Card)	N/A
Wire Transfer Fee - Domestic (Outgoing)	N/A
Wire Transfer Fee - International (Outgoing)	N/A
Wire Transfer Fee - International (Incoming)	N/A
Returned Deposit Fee (International)	N/A
Wire Transfer Fee - Domestic (Incoming)	N/A
ATM Reimbursement Monthly Limit	N/A

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

This account includes the following features:

Fraud monitoring - FB&T Simple Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.

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