Prime Checking 

A Prime Checking account from FAB&T offers you the ease of a traditional checking account, with the freedom of free worldwide ATMs^ and a 2.05% APY interest rate paid to you each month on balances up to $30,000.00*. An interest-bearing checking account in its purest form is what you will enjoy with a Prime Checking account from FAB&T. You can also enjoy and utilize our free online banking with free unlimited bill pay and free mobile banking.

To earn 2.05% APY*, simply meet these requirements each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear
  • Have at least 1 direct deposit, ACH automatic payment, or online bill pay post and clear
  • Receive electronic statements

It's okay if you miss a month! You will still enjoy free checking and there's no penalty for not qualifying in a given cycle. You will earn a base 0.01% APY* and you get right back to earning 2.05% APY* and enjoying ATM refunds the next time you qualify.

Click here to view the 2021 Prime Checking Calendar.

*Annual Percentage Yield (APY) accurate as of 02/01/19. Minimum to open account is $100. Rate tiers are as follows: 2.05% APY applies to balances of $0.01 - $30,000 and 0.10% APY applies to balances over $30,000 up to $99,999,999.99 as long as qualifications are met each qualification cycle. 0.01% APY applies to all balances if qualifications are not met. Rates are variable and may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ^There is a maximum cap of $15 per month for ATM refunds.


Basic Checking

A hassle-free, no frills approach to a checking account. No minimum balance. No worrying. Includes access to free online banking with free unlimited bill pay, as well as free mobile banking.

  • No monthly service charge
  • You must deposit at least $100 to open account
  • No minimum balance to maintain account
  • Free online banking and bill pay
  • Free mobile banking
  • Free initial Mastercard Debit Card
  • $3.00 fee for mailed paper statements

Legacy Checking

An account designed for our valued customers 55 years of age or older. This account provides the ability to earn interest on balances $500 and above. You also get free online banking with bill pay, free mobile banking, free personalized checks, cashiers checks and free money orders. 

  • You must deposit at least $100 to open account 
  • Interest on account balances $500 and above
  • Service charge of $5.00 on balances below $300 
  • Free online banking and bill pay
  • Free mobile banking
  • Free personalized checks (customer to pay for shipping)
  • Free cashiers checks and money orders
  • Free initial Mastercard Debit Card
  • Must be 55 years of age or older

Premier Checking

Premier Checking is an interest-bearing account designed for individuals who maintain high balances and desire competitive interest rates. This account also provides free online banking, unlimited bill pay and a free initial debit card.

  • Earn money market rate of interest
  • Free online banking and bill pay
  • Free initial Mastercard Debit Card  


  • Minimum balance of $1,000
  • Service charge of $10 on balances below $1,000

To Open a New Account: 

Complete the New Account Interview Sheet and save it to your device. 

Click here to send the document to us securely via Botdoc. 

Once the document has been submitted, a Customer Service Representative will contact you to verify the information and complete the account opening.