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Last Updated: 01/21/2026

FB&T Simple Checking

from FB&T

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

0.05%(Verified 06/21/2024)

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Monthly Maintenance Fee

$0 - $4(Verified 01/21/2026)

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FB&T Simple Checking Review

The 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.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
Charges a monthly fee. This account charges a monthly fee of up to $4, but the fee may be waived if you keep a minimum balance of$250.
No minimum initial deposit. There is no minimum balance required to open an account online.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in FB&T mobile or online banking.

FB&T Simple Checking Pros & Cons

Pros

Cons

Interest-yielding account.
Access to physical branches.
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.

FB&T Simple Checking FAQ

Are checking accounts from FB&T federally insured?

Yes, your deposits are insured 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 Average Balance to Avoid Monthly Service Fee

Starting at $250

Minimum Opening Deposit

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $500

What fees does FB&T Simple Checking charge?

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

FB&T Simple Checking Fees

Description

Monthly Maintenance Fee

$0 - $4

Paper Statement Fee

Starting at $2.5

ATM Fee: In-Network

Starting at $0

Bank Teller Fee

Check Cashing Fee

Online Bill Pay Fee

Starting at $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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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 Simple Checking

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

Contact

Headquarters

407 7th Street

Perry, OK 73077

Visit Site

Hours of Operation

SundayClosedMonday8:30AM - 3:00PMTuesday8:30AM - 3:00PMWednesday8:30AM - 3:00PMThursday8:30AM - 3:00PMFriday8:30AM - 5:30PMSaturdayClosed

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%

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Monthly Service Fee

$0 - $10

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FB&T Rewards Checking

Rating not yet determined

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%

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Monthly Service Fee

$0 - $7

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.