Checking That Fits Your Life.
Your money. Your priorities. Your kind of checking.
No two people bank exactly alike. Some want to earn more on their balance. Others just want a simple, straightforward account without the extras. Whatever your style, FAB&T has a checking account designed to work for you.
With convenient digital banking tools, local service from people who know your community, and options for every stage of life, everyday banking just got a little easier.
Find the account that fits you. We'll take care of the rest.
Prime checking
Make Your Money Work a Little Harder.
Who says your checking account can't do more? With FAB&T Prime Checking, your everyday spending could help you earn more on the money you keep in your account.
Earn up to 3.80% APY* on qualifying balances up to $25,000, plus enjoy ATM fee refunds of up to $15 per statement cycle^ when you meet a few simple monthly requirements.
Here's how to earn your rewards each month:
- Make at least 12 debit card purchases that post and clear.
- Have at least one direct deposit, ACH automatic payment, or online bill payment post and clear.
- Receive your statements electronically.
Miss a month? No worries! You'll still earn the base APY and can qualify again the following statement cycle.
Plus, enjoy convenient Online Banking, Mobile Banking, and unlimited Bill Pay at no additional charge.
Everyday checking. Extra earning potential.
Click here to view the 2026 Prime Checking Calendar.
*Annual Percentage Yield (APY) accurate as of 12/17/2025. Minimum to open account is $100. Rate tiers are as follows: 3.80% APY applies to balances of $0.01 - $25,000 and 0.10% APY applies to balances over $25,000 up to $99,999,999.99 as long as qualifications are met each statement cycle. 0.10% 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. Qualifications must post and clear the account during the monthly statement 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. Only one Prime Checking account allowed per primary account holder.
^There is a maximum cap of $15 per statement cycle for ATM refunds.
Basic Checking
Keep It Simple. Keep It Moving.
Sometimes the best checking account is one that keeps things simple.
With FAB&T Basic Checking, you get everything you need for everyday banking without unnecessary complications. No monthly service charge, no minimum balance to maintain, and convenient access to your money whenever you need it.
Here's what you'll enjoy:
- No monthly service charge
- No minimum balance requirement
- Free Online Banking and unlimited Bill Pay
- Free Mobile Banking
- Free initial Mastercard® Debit Card
- Just $100 to open your account
Electronic statements are available, or you can choose mailed paper statements for $3 per month.
Simple banking. No fuss. No surprises.
legacy Checking
A Little More for the Life You've Built.
You've earned a few extra perks along the way. Your checking account should reflect that.
Designed for customers age 55 and older, FAB&T Legacy Checking combines the convenience of everyday banking with additional benefits that make managing your money a little easier.
Enjoy these benefits:
- Earn interest on balances of $500 or more
- Free personalized checks (shipping charges apply)
- Free cashier's checks and money orders
- Free Online Banking and Bill Pay
- Free Mobile Banking
- Free initial Mastercard® Debit Card
- Just $100 to open your account
A $5 monthly service charge applies when your balance falls below $300.
Because experience deserves a few advantages.
premier checking
A Higher Balance Deserves a Little More.
For those who maintain larger balances, FAB&T Premier Checking offers an interest-bearing account that combines earning potential with convenient access to your money.
It's a straightforward way to make the most of your everyday banking while enjoying the personal service you've come to expect from FAB&T.
Your benefits include:
- Interest-bearing checking
- Free Online Banking and Bill Pay
- Free initial Mastercard® Debit Card
- $1,000 minimum balance requirement
- $10 monthly service charge when your balance falls below $1,000
More from your checking. More convenience for your life.
Big convenience. Hometown service. The best of both worlds.
Your checking account is just the beginning. At FAB&T, you'll find modern banking tools that make managing your money easier, backed by local people who are here when you need them.
Bank on Your Schedule.
Check balances, pay bills, transfer money, and deposit checks from almost anywhere with FAB&T Online and Mobile Banking.
A Debit Card That's All You.
From everyday purchases to showing your school spirit, FAB&T debit cards give you convenient access to your money with designs that reflect your personality.
Switch Without the Hassle.
Ready to make FAB&T your bank? ClickSWITCH helps make moving your eligible direct deposits and recurring payments from another financial institution easier.
Real People. Right Here.
Whether you prefer banking in person, online, or through our convenient QŪB Live Teller service, we're here to help you bank your way.
All the convenience you expect. All the personal service you deserve.
Ready for Better Everyday Banking?
Let's Find Your Perfect Fit.
Whether you're opening your first checking account or looking for something that better fits your life today, we're here to help you make the right choice.
Explore your options, open an account online, or stop by your local FAB&T branch. We'll be glad to help.
Your money. Your life. Your FAB&T.