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  FB&T Simple Checking
FB&T Simple Checking
in Checking Accounts from FB&T · Member FDIC
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FB&T Simple Checking

Unaffiliated
in Checking Accounts from FB&T · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05%
(Verified 07/21/2022)
Monthly Fee $0 - $4
Minimum Balance to Avoid Monthly Fee Starting at $250

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

  • Higher than average APY. FB&T Simple 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 $4, but the fee is waived if you keep a minimum balance of $250.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through FB&T.

FB&T Simple Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • 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, this account is 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 Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

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

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

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

FB&T Simple Checking Minimums
Description
Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee Starting at $250
Minimum Combined Balance to Avoid Monthly Fee $500

What fees does FB&T Simple Checking charge?

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

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

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 unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
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Message From FB&T

Choose The One That's Right For You! Simple Checking, Perfect for students, seniors and everyone in between. 

Availability

  Available in 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee Starting at $250
Minimum Combined Balance to Avoid Monthly Fee $500
Monthly Fee $0 - $4
ATM Fee: In-Network $0
Bank Teller Fee $0
Paper Statement Fee $2.50
Online Bill Pay Fee $0
Check Cashing Fee $0
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
  • Fraud Monitoring
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.05%
(Verified 07/21/2022)

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